The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,936
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$852/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,741/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$816/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,664/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$1,022/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,440
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,959
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$978/mo
Today · 4.125%
HK$37,901
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,802/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,192/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,513
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,952
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,077
−HK$1,141/mo
Today · 4.125%
HK$44,218
baseline
▲ 0.50% · 4.625%
HK$46,549
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,436/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,484
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,532/mo
Today · 4.125%
HK$51,524
baseline
▲ 0.50% · 4.625%
HK$54,660
+HK$3,136/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,048/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,938
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,385
−HK$1,467/mo
Today · 4.125%
HK$56,852
baseline
▲ 0.50% · 4.625%
HK$59,849
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,704/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,970 · Scale 2, in force from 26 Feb 2026)