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$26,387
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$834/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$798/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,572
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,664
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,649
−HK$1,001/mo
Today · 4.125%
HK$33,650
baseline
▲ 0.50% · 4.625%
HK$35,698
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,300/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,226
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$959/mo
Today · 4.125%
HK$37,130
baseline
▲ 0.50% · 4.625%
HK$39,087
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,260/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,942
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,167/mo
Today · 4.125%
HK$39,258
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,516/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,097
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,200
−HK$1,118/mo
Today · 4.125%
HK$43,318
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,636/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,974
−HK$1,501/mo
Today · 4.125%
HK$50,475
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,950/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,840
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,257
−HK$1,437/mo
Today · 4.125%
HK$55,694
baseline
▲ 0.50% · 4.625%
HK$58,630
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,388/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,949 · Scale 2, in force from 26 Feb 2026)