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$26,559
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$840/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$804/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$32,785
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$1,008/mo
Today · 4.125%
HK$33,870
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,740/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$965/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,342
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,744/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,183
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,175/mo
Today · 4.125%
HK$39,514
baseline
▲ 0.50% · 4.625%
HK$41,919
+HK$2,405/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,028/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,475
−HK$1,125/mo
Today · 4.125%
HK$43,600
baseline
▲ 0.50% · 4.625%
HK$45,899
+HK$2,299/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,200/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,806
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,511/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,896
+HK$3,092/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,184
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,610
−HK$1,448/mo
Today · 4.125%
HK$56,058
baseline
▲ 0.50% · 4.625%
HK$59,012
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,116/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,779 · Scale 2, in force from 26 Feb 2026)