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$26,985
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$852/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,422
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,354/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$817/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,382
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$1,024/mo
Today · 4.125%
HK$34,413
baseline
▲ 0.50% · 4.625%
HK$36,507
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,826/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,025
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,991
−HK$980/mo
Today · 4.125%
HK$37,971
baseline
▲ 0.50% · 4.625%
HK$39,973
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,942/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,779
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,954
−HK$1,194/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,591
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,144/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,573
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,084
−HK$1,535/mo
Today · 4.125%
HK$51,619
baseline
▲ 0.50% · 4.625%
HK$54,760
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,238/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,037
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,487
−HK$1,470/mo
Today · 4.125%
HK$56,957
baseline
▲ 0.50% · 4.625%
HK$59,959
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,914/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,785 · Scale 2, in force from 26 Feb 2026)