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$26,411
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$835/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,775
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,382
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$800/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,602
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,694
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,680
−HK$1,001/mo
Today · 4.125%
HK$33,681
baseline
▲ 0.50% · 4.625%
HK$35,731
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,362/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,259
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,205
−HK$959/mo
Today · 4.125%
HK$37,164
baseline
▲ 0.50% · 4.625%
HK$39,123
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,328/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,169/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,686
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,135
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,119/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,643
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,541
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,019
−HK$1,503/mo
Today · 4.125%
HK$50,522
baseline
▲ 0.50% · 4.625%
HK$53,596
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,044/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,888
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,307
−HK$1,439/mo
Today · 4.125%
HK$55,746
baseline
▲ 0.50% · 4.625%
HK$58,684
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,492/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,350 · Scale 2, in force from 26 Feb 2026)