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$26,775
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$846/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,787
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$810/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,130
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$1,016/mo
Today · 4.125%
HK$34,145
baseline
▲ 0.50% · 4.625%
HK$36,222
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,290/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,744
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,703
−HK$972/mo
Today · 4.125%
HK$37,675
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,350/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,485
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,651
−HK$1,185/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$42,260
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,702
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,135/mo
Today · 4.125%
HK$43,955
baseline
▲ 0.50% · 4.625%
HK$46,272
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,910/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,195
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,694
−HK$1,523/mo
Today · 4.125%
HK$51,217
baseline
▲ 0.50% · 4.625%
HK$54,334
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,434/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,616
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,054
−HK$1,459/mo
Today · 4.125%
HK$56,513
baseline
▲ 0.50% · 4.625%
HK$59,492
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,026/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,329 · Scale 2, in force from 26 Feb 2026)