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$26,871
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$849/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,894
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,695
−HK$814/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$1,019/mo
Today · 4.125%
HK$34,267
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,534/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,872
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,834
−HK$976/mo
Today · 4.125%
HK$37,810
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,620/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,619
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,189/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,411
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,851
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,139/mo
Today · 4.125%
HK$44,112
baseline
▲ 0.50% · 4.625%
HK$46,437
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,224/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,368
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,529/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,528
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,808
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,252
−HK$1,464/mo
Today · 4.125%
HK$56,716
baseline
▲ 0.50% · 4.625%
HK$59,705
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,432/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,906 · Scale 2, in force from 26 Feb 2026)