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$27,056
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$855/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$819/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,467
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$1,026/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,603
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,120
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$983/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,057
−HK$1,197/mo
Today · 4.125%
HK$40,254
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,508/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,140
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,270
−HK$1,146/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,701
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,216
−HK$1,539/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,904
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,180
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,633
−HK$1,474/mo
Today · 4.125%
HK$57,107
baseline
▲ 0.50% · 4.625%
HK$60,117
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,214/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,954 · Scale 2, in force from 26 Feb 2026)