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$26,556
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$839/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,543
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$804/mo
Today · 4.125%
HK$31,139
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,278/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$1,007/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,402
−HK$965/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,178
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,334
−HK$1,175/mo
Today · 4.125%
HK$39,509
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,018/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,360
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,126/mo
Today · 4.125%
HK$43,595
baseline
▲ 0.50% · 4.625%
HK$45,892
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,190/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,800
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,287
−HK$1,511/mo
Today · 4.125%
HK$50,798
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,596/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,177
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,603
−HK$1,447/mo
Today · 4.125%
HK$56,050
baseline
▲ 0.50% · 4.625%
HK$59,005
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,100/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,721 · Scale 2, in force from 26 Feb 2026)