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$26,593
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$840/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,980
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,377
−HK$805/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,904
−HK$1,008/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,976
+HK$2,064/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,501
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,453
−HK$966/mo
Today · 4.125%
HK$37,419
baseline
▲ 0.50% · 4.625%
HK$39,391
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,838/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,176/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,972
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,418
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,127/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,867
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,356
−HK$1,512/mo
Today · 4.125%
HK$50,868
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,736/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,251
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,679
−HK$1,449/mo
Today · 4.125%
HK$56,128
baseline
▲ 0.50% · 4.625%
HK$59,087
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,256/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,330 · Scale 2, in force from 26 Feb 2026)