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$26,891
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$850/mo
Today · 4.125%
HK$28,577
baseline
▲ 0.50% · 4.625%
HK$30,316
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,154/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,915
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,718
−HK$814/mo
Today · 4.125%
HK$31,532
baseline
▲ 0.50% · 4.625%
HK$33,194
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,064/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,272
−HK$1,020/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,898
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,861
−HK$977/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$39,832
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,647
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,818
−HK$1,189/mo
Today · 4.125%
HK$40,007
baseline
▲ 0.50% · 4.625%
HK$42,442
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,014/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,139/mo
Today · 4.125%
HK$44,144
baseline
▲ 0.50% · 4.625%
HK$46,471
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,288/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,403
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,529/mo
Today · 4.125%
HK$51,438
baseline
▲ 0.50% · 4.625%
HK$54,568
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,876/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,848
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,292
−HK$1,465/mo
Today · 4.125%
HK$56,757
baseline
▲ 0.50% · 4.625%
HK$59,749
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,514/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,229 · Scale 2, in force from 26 Feb 2026)