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$26,458
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$836/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$801/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,750
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$1,004/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,794
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$961/mo
Today · 4.125%
HK$37,230
baseline
▲ 0.50% · 4.625%
HK$39,192
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,460/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,041
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,170/mo
Today · 4.125%
HK$39,364
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,728/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,208
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,313
−HK$1,122/mo
Today · 4.125%
HK$43,435
baseline
▲ 0.50% · 4.625%
HK$45,724
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,870/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,625
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,106
−HK$1,505/mo
Today · 4.125%
HK$50,611
baseline
▲ 0.50% · 4.625%
HK$53,691
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,222/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,982
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,403
−HK$1,441/mo
Today · 4.125%
HK$55,844
baseline
▲ 0.50% · 4.625%
HK$58,788
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,688/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,118 · Scale 2, in force from 26 Feb 2026)