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$26,351
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,171
−HK$833/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,708
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$798/mo
Today · 4.125%
HK$30,900
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,800/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,622
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$1,000/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,649
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,179
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$957/mo
Today · 4.125%
HK$37,079
baseline
▲ 0.50% · 4.625%
HK$39,034
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,158/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,892
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,165/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,591
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,042
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,143
−HK$1,116/mo
Today · 4.125%
HK$43,259
baseline
▲ 0.50% · 4.625%
HK$45,540
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,518/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,433
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,908
−HK$1,499/mo
Today · 4.125%
HK$50,407
baseline
▲ 0.50% · 4.625%
HK$53,474
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,814/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,768
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,184
−HK$1,435/mo
Today · 4.125%
HK$55,619
baseline
▲ 0.50% · 4.625%
HK$58,551
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,238/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,364 · Scale 2, in force from 26 Feb 2026)