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$27,138
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$858/mo
Today · 4.125%
HK$28,840
baseline
▲ 0.50% · 4.625%
HK$30,594
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,680/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$822/mo
Today · 4.125%
HK$31,822
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,644/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,565
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,578
−HK$1,029/mo
Today · 4.125%
HK$34,607
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,214/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,229
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$986/mo
Today · 4.125%
HK$38,186
baseline
▲ 0.50% · 4.625%
HK$40,199
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,372/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,993
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,175
−HK$1,200/mo
Today · 4.125%
HK$40,375
baseline
▲ 0.50% · 4.625%
HK$42,832
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,750/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,267
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,150/mo
Today · 4.125%
HK$44,550
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,100/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,848
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,367
−HK$1,544/mo
Today · 4.125%
HK$51,911
baseline
▲ 0.50% · 4.625%
HK$55,070
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,822/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,343
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,800
−HK$1,479/mo
Today · 4.125%
HK$57,279
baseline
▲ 0.50% · 4.625%
HK$60,298
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,558/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,295 · Scale 2, in force from 26 Feb 2026)