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$27,183
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$859/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,645
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$822/mo
Today · 4.125%
HK$31,874
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,748/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$1,031/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,289
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,262
−HK$987/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,056
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,240
−HK$1,202/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,903
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,337
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,472
−HK$1,152/mo
Today · 4.125%
HK$44,624
baseline
▲ 0.50% · 4.625%
HK$46,976
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,248/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,929
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,451
−HK$1,546/mo
Today · 4.125%
HK$51,997
baseline
▲ 0.50% · 4.625%
HK$55,161
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,994/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,433
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,893
−HK$1,481/mo
Today · 4.125%
HK$57,374
baseline
▲ 0.50% · 4.625%
HK$60,398
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,748/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,035 · Scale 2, in force from 26 Feb 2026)