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$27,262
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,110
−HK$862/mo
Today · 4.125%
HK$28,972
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,944/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,329
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$825/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,653
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,715
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$1,034/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,395
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$990/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,383
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,167
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,206/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,155/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,114
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,072
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,599
−HK$1,551/mo
Today · 4.125%
HK$52,150
baseline
▲ 0.50% · 4.625%
HK$55,323
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,300/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,592
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,057
−HK$1,485/mo
Today · 4.125%
HK$57,542
baseline
▲ 0.50% · 4.625%
HK$60,575
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,084/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,344 · Scale 2, in force from 26 Feb 2026)