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$26,738
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$845/mo
Today · 4.125%
HK$28,415
baseline
▲ 0.50% · 4.625%
HK$30,144
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,830/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,544
−HK$809/mo
Today · 4.125%
HK$31,353
baseline
▲ 0.50% · 4.625%
HK$33,006
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,706/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,086
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,084
−HK$1,014/mo
Today · 4.125%
HK$34,098
baseline
▲ 0.50% · 4.625%
HK$36,173
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,196/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,696
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,653
−HK$971/mo
Today · 4.125%
HK$37,624
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,248/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,183/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,645
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,762
−HK$1,133/mo
Today · 4.125%
HK$43,895
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,790/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,129
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,626
−HK$1,521/mo
Today · 4.125%
HK$51,147
baseline
▲ 0.50% · 4.625%
HK$54,260
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,294/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,543
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,457/mo
Today · 4.125%
HK$56,436
baseline
▲ 0.50% · 4.625%
HK$59,411
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,872/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,728 · Scale 2, in force from 26 Feb 2026)