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$26,733
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$844/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$30,138
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,740
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,538
−HK$809/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$32,999
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,080
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$1,014/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,688
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,645
−HK$971/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,599
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,426
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,183/mo
Today · 4.125%
HK$39,773
baseline
▲ 0.50% · 4.625%
HK$42,193
+HK$2,420/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,546/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,636
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,753
−HK$1,133/mo
Today · 4.125%
HK$43,886
baseline
▲ 0.50% · 4.625%
HK$46,199
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,772/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,119
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,616
−HK$1,521/mo
Today · 4.125%
HK$51,137
baseline
▲ 0.50% · 4.625%
HK$54,248
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,274/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,532
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,968
−HK$1,456/mo
Today · 4.125%
HK$56,424
baseline
▲ 0.50% · 4.625%
HK$59,399
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,848/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,638 · Scale 2, in force from 26 Feb 2026)