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$26,445
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$835/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,209
−HK$800/mo
Today · 4.125%
HK$31,009
baseline
▲ 0.50% · 4.625%
HK$32,644
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,018/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,721
−HK$1,003/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,776
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,304
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$960/mo
Today · 4.125%
HK$37,211
baseline
▲ 0.50% · 4.625%
HK$39,173
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,422/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,175
−HK$1,170/mo
Today · 4.125%
HK$39,345
baseline
▲ 0.50% · 4.625%
HK$41,739
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,690/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,121/mo
Today · 4.125%
HK$43,413
baseline
▲ 0.50% · 4.625%
HK$45,701
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,826/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,601
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,082
−HK$1,504/mo
Today · 4.125%
HK$50,586
baseline
▲ 0.50% · 4.625%
HK$53,664
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,172/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,956
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,376
−HK$1,441/mo
Today · 4.125%
HK$55,817
baseline
▲ 0.50% · 4.625%
HK$58,759
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,634/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,902 · Scale 2, in force from 26 Feb 2026)