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$26,832
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$848/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,250
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,851
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,651
−HK$812/mo
Today · 4.125%
HK$31,463
baseline
▲ 0.50% · 4.625%
HK$33,122
+HK$1,659/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,926/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,199
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$1,018/mo
Today · 4.125%
HK$34,218
baseline
▲ 0.50% · 4.625%
HK$36,300
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,436/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,821
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$975/mo
Today · 4.125%
HK$37,756
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,512/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,565
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,734
−HK$1,187/mo
Today · 4.125%
HK$39,921
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,842/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,791
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,137/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,298
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,800
−HK$1,527/mo
Today · 4.125%
HK$51,327
baseline
▲ 0.50% · 4.625%
HK$54,450
+HK$3,123/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,654/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,731
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,172
−HK$1,462/mo
Today · 4.125%
HK$56,634
baseline
▲ 0.50% · 4.625%
HK$59,619
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,268/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,271 · Scale 2, in force from 26 Feb 2026)