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$26,404
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$835/mo
Today · 4.125%
HK$28,060
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,120/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$799/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$1,001/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,195
−HK$959/mo
Today · 4.125%
HK$37,154
baseline
▲ 0.50% · 4.625%
HK$39,112
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,308/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,966
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,168/mo
Today · 4.125%
HK$39,284
baseline
▲ 0.50% · 4.625%
HK$41,674
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,568/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,227
−HK$1,119/mo
Today · 4.125%
HK$43,346
baseline
▲ 0.50% · 4.625%
HK$45,631
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,692/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,527
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,006
−HK$1,502/mo
Today · 4.125%
HK$50,508
baseline
▲ 0.50% · 4.625%
HK$53,581
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,016/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,874
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,292
−HK$1,438/mo
Today · 4.125%
HK$55,730
baseline
▲ 0.50% · 4.625%
HK$58,668
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,460/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,230 · Scale 2, in force from 26 Feb 2026)