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$26,492
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,316
−HK$837/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$802/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,702
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,790
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,779
−HK$1,005/mo
Today · 4.125%
HK$33,784
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,568/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,366
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,315
−HK$962/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,242
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,089
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,242
−HK$1,172/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,813
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,261
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,367
−HK$1,123/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,292/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,685
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,169
−HK$1,507/mo
Today · 4.125%
HK$50,676
baseline
▲ 0.50% · 4.625%
HK$53,759
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,352/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,049
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,472
−HK$1,443/mo
Today · 4.125%
HK$55,915
baseline
▲ 0.50% · 4.625%
HK$58,863
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,830/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,672 · Scale 2, in force from 26 Feb 2026)