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$26,454
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$836/mo
Today · 4.125%
HK$28,113
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,226/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,430
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$801/mo
Today · 4.125%
HK$31,020
baseline
▲ 0.50% · 4.625%
HK$32,655
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,040/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$1,003/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,315
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$960/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,035
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,187
−HK$1,171/mo
Today · 4.125%
HK$39,358
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,716/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,201
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,306
−HK$1,121/mo
Today · 4.125%
HK$43,427
baseline
▲ 0.50% · 4.625%
HK$45,716
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,854/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,617
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,098
−HK$1,505/mo
Today · 4.125%
HK$50,603
baseline
▲ 0.50% · 4.625%
HK$53,682
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,206/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,973
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,394
−HK$1,441/mo
Today · 4.125%
HK$55,835
baseline
▲ 0.50% · 4.625%
HK$58,778
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,670/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,046 · Scale 2, in force from 26 Feb 2026)