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$26,403
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$835/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,373
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$799/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,592
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$1,002/mo
Today · 4.125%
HK$33,671
baseline
▲ 0.50% · 4.625%
HK$35,719
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,342/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,248
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$959/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,111
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,168/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,225
−HK$1,119/mo
Today · 4.125%
HK$43,344
baseline
▲ 0.50% · 4.625%
HK$45,629
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,688/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,526
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,004
−HK$1,502/mo
Today · 4.125%
HK$50,506
baseline
▲ 0.50% · 4.625%
HK$53,579
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,012/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,872
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,290
−HK$1,438/mo
Today · 4.125%
HK$55,728
baseline
▲ 0.50% · 4.625%
HK$58,666
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,456/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,214 · Scale 2, in force from 26 Feb 2026)