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$26,539
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$839/mo
Today · 4.125%
HK$28,203
baseline
▲ 0.50% · 4.625%
HK$29,919
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,406/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,316
−HK$803/mo
Today · 4.125%
HK$31,119
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,238/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,847
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,837
−HK$1,007/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,379
−HK$964/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,154
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,310
−HK$1,174/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,334
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,442
−HK$1,125/mo
Today · 4.125%
HK$43,567
baseline
▲ 0.50% · 4.625%
HK$45,863
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,134/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,770
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,509/mo
Today · 4.125%
HK$50,765
baseline
▲ 0.50% · 4.625%
HK$53,854
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,530/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,144
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,569
−HK$1,446/mo
Today · 4.125%
HK$56,015
baseline
▲ 0.50% · 4.625%
HK$58,967
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,030/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,445 · Scale 2, in force from 26 Feb 2026)