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$26,380
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,200
−HK$834/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,347
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,134
−HK$799/mo
Today · 4.125%
HK$30,933
baseline
▲ 0.50% · 4.625%
HK$32,563
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,866/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,640
−HK$1,001/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,217
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$958/mo
Today · 4.125%
HK$37,119
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,238/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,932
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,080
−HK$1,168/mo
Today · 4.125%
HK$39,248
baseline
▲ 0.50% · 4.625%
HK$41,636
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,496/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,086
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,188
−HK$1,118/mo
Today · 4.125%
HK$43,306
baseline
▲ 0.50% · 4.625%
HK$45,589
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,612/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,484
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,961
−HK$1,500/mo
Today · 4.125%
HK$50,461
baseline
▲ 0.50% · 4.625%
HK$53,532
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,922/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,825
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,437/mo
Today · 4.125%
HK$55,679
baseline
▲ 0.50% · 4.625%
HK$58,614
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,358/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,830 · Scale 2, in force from 26 Feb 2026)