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$26,638
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$842/mo
Today · 4.125%
HK$28,308
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,616/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$806/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$32,881
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,959
−HK$1,010/mo
Today · 4.125%
HK$33,969
baseline
▲ 0.50% · 4.625%
HK$36,036
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,938/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,561
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,514
−HK$968/mo
Today · 4.125%
HK$37,482
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,964/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,293
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,453
−HK$1,178/mo
Today · 4.125%
HK$39,631
baseline
▲ 0.50% · 4.625%
HK$42,043
+HK$2,412/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,262/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,488
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,600
−HK$1,129/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,034
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,948
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,439
−HK$1,515/mo
Today · 4.125%
HK$50,954
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$3,101/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,908/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,341
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,772
−HK$1,451/mo
Today · 4.125%
HK$56,223
baseline
▲ 0.50% · 4.625%
HK$59,187
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,446/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,068 · Scale 2, in force from 26 Feb 2026)