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$26,514
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$838/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$802/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,806
−HK$1,006/mo
Today · 4.125%
HK$33,812
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,624/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,396
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,345
−HK$963/mo
Today · 4.125%
HK$37,308
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,616/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,274
−HK$1,173/mo
Today · 4.125%
HK$39,447
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,894/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,295
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,123/mo
Today · 4.125%
HK$43,526
baseline
▲ 0.50% · 4.625%
HK$45,821
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,052/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,725
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,210
−HK$1,508/mo
Today · 4.125%
HK$50,718
baseline
▲ 0.50% · 4.625%
HK$53,804
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,436/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,094
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,518
−HK$1,444/mo
Today · 4.125%
HK$55,962
baseline
▲ 0.50% · 4.625%
HK$58,912
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,924/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,037 · Scale 2, in force from 26 Feb 2026)