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$26,888
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$850/mo
Today · 4.125%
HK$28,574
baseline
▲ 0.50% · 4.625%
HK$30,312
+HK$1,738/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,148/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,182 · 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$442,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,265
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$1,020/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,375
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,895
−HK$1,939/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$442,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,643
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,814
−HK$1,189/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$442,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,877
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,140/mo
Today · 4.125%
HK$44,140
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,280/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,398
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,903
−HK$1,530/mo
Today · 4.125%
HK$51,433
baseline
▲ 0.50% · 4.625%
HK$54,562
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,866/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,842
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,286
−HK$1,465/mo
Today · 4.125%
HK$56,751
baseline
▲ 0.50% · 4.625%
HK$59,742
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,502/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,182 · Scale 2, in force from 26 Feb 2026)