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$26,449
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$836/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,216/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,425
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$800/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,649
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,739
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$1,003/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$961/mo
Today · 4.125%
HK$37,217
baseline
▲ 0.50% · 4.625%
HK$39,179
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,434/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,029
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,181
−HK$1,170/mo
Today · 4.125%
HK$39,351
baseline
▲ 0.50% · 4.625%
HK$41,745
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,702/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,194
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,299
−HK$1,121/mo
Today · 4.125%
HK$43,420
baseline
▲ 0.50% · 4.625%
HK$45,709
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,840/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,609
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,504/mo
Today · 4.125%
HK$50,594
baseline
▲ 0.50% · 4.625%
HK$53,673
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,188/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,964
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,385
−HK$1,441/mo
Today · 4.125%
HK$55,826
baseline
▲ 0.50% · 4.625%
HK$58,768
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,652/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,973 · Scale 2, in force from 26 Feb 2026)