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$26,499
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$837/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$802/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$1,005/mo
Today · 4.125%
HK$33,793
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,586/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$962/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,253
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,172/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,272
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,123/mo
Today · 4.125%
HK$43,502
baseline
▲ 0.50% · 4.625%
HK$45,795
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$87,004/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,182
−HK$1,508/mo
Today · 4.125%
HK$50,690
baseline
▲ 0.50% · 4.625%
HK$53,774
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,380/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,064
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,487
−HK$1,444/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$58,879
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,862/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,795 · Scale 2, in force from 26 Feb 2026)