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$26,570
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$840/mo
Today · 4.125%
HK$28,236
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,472/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$805/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,884
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,876
−HK$1,007/mo
Today · 4.125%
HK$33,883
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,766/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,422
−HK$965/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,355
−HK$1,175/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,382
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,492
−HK$1,126/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,826
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,313
−HK$1,512/mo
Today · 4.125%
HK$50,825
baseline
▲ 0.50% · 4.625%
HK$53,917
+HK$3,092/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,650/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,206
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,448/mo
Today · 4.125%
HK$56,080
baseline
▲ 0.50% · 4.625%
HK$59,036
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,160/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,955 · Scale 2, in force from 26 Feb 2026)