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$26,672
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$843/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,672
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$807/mo
Today · 4.125%
HK$31,275
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,550/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,006
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,002
−HK$1,011/mo
Today · 4.125%
HK$34,013
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,026/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,607
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$968/mo
Today · 4.125%
HK$37,530
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,060/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,341
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,502
−HK$1,180/mo
Today · 4.125%
HK$39,682
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,364/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,655
−HK$1,130/mo
Today · 4.125%
HK$43,785
baseline
▲ 0.50% · 4.625%
HK$46,093
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,570/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,009
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,503
−HK$1,517/mo
Today · 4.125%
HK$51,020
baseline
▲ 0.50% · 4.625%
HK$54,124
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,040/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,410
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,842
−HK$1,453/mo
Today · 4.125%
HK$56,295
baseline
▲ 0.50% · 4.625%
HK$59,263
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,590/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,633 · Scale 2, in force from 26 Feb 2026)