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$27,112
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$857/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,565
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$820/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,676/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$1,029/mo
Today · 4.125%
HK$34,575
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$2,103/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,150/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,194
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,165
−HK$985/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,957
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,200/mo
Today · 4.125%
HK$40,337
baseline
▲ 0.50% · 4.625%
HK$42,791
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,674/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,227
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,359
−HK$1,149/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,802
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,320
−HK$1,542/mo
Today · 4.125%
HK$51,862
baseline
▲ 0.50% · 4.625%
HK$55,018
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,724/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,291
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,747
−HK$1,477/mo
Today · 4.125%
HK$57,224
baseline
▲ 0.50% · 4.625%
HK$60,241
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,448/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,871 · Scale 2, in force from 26 Feb 2026)