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$26,924
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,761
−HK$851/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,353
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$815/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,235
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,309
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,314
−HK$1,021/mo
Today · 4.125%
HK$34,335
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,670/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,943
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,907
−HK$978/mo
Today · 4.125%
HK$37,885
baseline
▲ 0.50% · 4.625%
HK$39,882
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,770/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,191/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,141/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,463
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,532/mo
Today · 4.125%
HK$51,502
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$3,134/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,004/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,915
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,361
−HK$1,466/mo
Today · 4.125%
HK$56,827
baseline
▲ 0.50% · 4.625%
HK$59,823
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,654/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,778 · Scale 2, in force from 26 Feb 2026)