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$26,547
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$839/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$804/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$1,007/mo
Today · 4.125%
HK$33,854
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,708/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,440
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$965/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,166
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,322
−HK$1,175/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,900
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,347
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,125/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$45,878
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,271
−HK$1,510/mo
Today · 4.125%
HK$50,781
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,562/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,160
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,586
−HK$1,446/mo
Today · 4.125%
HK$56,032
baseline
▲ 0.50% · 4.625%
HK$58,986
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,064/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,581 · Scale 2, in force from 26 Feb 2026)