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$26,428
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$835/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,709/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,189
−HK$800/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,622
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,713
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,699
−HK$1,003/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,752
+HK$2,050/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,280
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,227
−HK$960/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,147
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,999
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,170/mo
Today · 4.125%
HK$39,319
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,638/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,120/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$45,671
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,570
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,049
−HK$1,504/mo
Today · 4.125%
HK$50,553
baseline
▲ 0.50% · 4.625%
HK$53,629
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,106/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,921
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,340
−HK$1,440/mo
Today · 4.125%
HK$55,780
baseline
▲ 0.50% · 4.625%
HK$58,720
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,560/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,615 · Scale 2, in force from 26 Feb 2026)