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$26,704
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$844/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$30,106
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,708
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,505
−HK$808/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,042
−HK$1,012/mo
Today · 4.125%
HK$34,054
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$2,073/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,108/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,650
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,606
−HK$970/mo
Today · 4.125%
HK$37,576
baseline
▲ 0.50% · 4.625%
HK$39,556
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,152/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,386
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,181/mo
Today · 4.125%
HK$39,730
baseline
▲ 0.50% · 4.625%
HK$42,148
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,460/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,591
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,707
−HK$1,131/mo
Today · 4.125%
HK$43,838
baseline
▲ 0.50% · 4.625%
HK$46,149
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,676/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,067
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,519/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,475
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,909
−HK$1,455/mo
Today · 4.125%
HK$56,364
baseline
▲ 0.50% · 4.625%
HK$59,335
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,728/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,164 · Scale 2, in force from 26 Feb 2026)