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$27,323
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$864/mo
Today · 4.125%
HK$29,037
baseline
▲ 0.50% · 4.625%
HK$30,804
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,074/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$827/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$1,036/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$992/mo
Today · 4.125%
HK$38,447
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,894/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,253
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,442
−HK$1,209/mo
Today · 4.125%
HK$40,651
baseline
▲ 0.50% · 4.625%
HK$43,125
+HK$2,474/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,302/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,556
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,697
−HK$1,158/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,219
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,182
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,712
−HK$1,554/mo
Today · 4.125%
HK$52,266
baseline
▲ 0.50% · 4.625%
HK$55,446
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,532/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,714
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,182
−HK$1,488/mo
Today · 4.125%
HK$57,670
baseline
▲ 0.50% · 4.625%
HK$60,710
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,340/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,346 · Scale 2, in force from 26 Feb 2026)