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$26,582
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$841/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,572
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$804/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,898
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,890
−HK$1,008/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,961
+HK$2,063/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,486
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,438
−HK$965/mo
Today · 4.125%
HK$37,403
baseline
▲ 0.50% · 4.625%
HK$39,375
+HK$1,972/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,806/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,176/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,126/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,847
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,335
−HK$1,512/mo
Today · 4.125%
HK$50,847
baseline
▲ 0.50% · 4.625%
HK$53,941
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,694/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,229
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,657
−HK$1,448/mo
Today · 4.125%
HK$56,105
baseline
▲ 0.50% · 4.625%
HK$59,062
+HK$2,957/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,210/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,149 · Scale 2, in force from 26 Feb 2026)