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$26,544
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$839/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,925
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$804/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$32,766
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,853
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,844
−HK$1,007/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,387
−HK$964/mo
Today · 4.125%
HK$37,351
baseline
▲ 0.50% · 4.625%
HK$39,320
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,702/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,174/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,895
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,125/mo
Today · 4.125%
HK$43,576
baseline
▲ 0.50% · 4.625%
HK$45,873
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,152/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,780
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,510/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,866
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,155
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,580
−HK$1,446/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$58,980
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,536 · Scale 2, in force from 26 Feb 2026)