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$26,887
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$849/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,312
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$814/mo
Today · 4.125%
HK$31,528
baseline
▲ 0.50% · 4.625%
HK$33,190
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,056/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,265
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$1,020/mo
Today · 4.125%
HK$34,288
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,576/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$977/mo
Today · 4.125%
HK$37,834
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,668/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,190/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,877
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,139/mo
Today · 4.125%
HK$44,139
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,278/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,903
−HK$1,529/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,562
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,841
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,465/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$59,742
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,177 · Scale 2, in force from 26 Feb 2026)