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$26,560
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$840/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$804/mo
Today · 4.125%
HK$31,144
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,288/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,872
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$1,007/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,458
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$965/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,343
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,175/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,405/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,477
−HK$1,125/mo
Today · 4.125%
HK$43,602
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,204/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,808
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,295
−HK$1,511/mo
Today · 4.125%
HK$50,806
baseline
▲ 0.50% · 4.625%
HK$53,898
+HK$3,092/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,612/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,186
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,613
−HK$1,447/mo
Today · 4.125%
HK$56,060
baseline
▲ 0.50% · 4.625%
HK$59,015
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,120/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,797 · Scale 2, in force from 26 Feb 2026)