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$28,244
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$893/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$854/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$34,864
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$1,071/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,705
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,716
−HK$1,026/mo
Today · 4.125%
HK$39,742
baseline
▲ 0.50% · 4.625%
HK$41,837
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,484/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,541
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,250/mo
Today · 4.125%
HK$42,021
baseline
▲ 0.50% · 4.625%
HK$44,578
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,042/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,989
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,169
−HK$1,197/mo
Today · 4.125%
HK$46,366
baseline
▲ 0.50% · 4.625%
HK$48,810
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,732/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,420
−HK$1,607/mo
Today · 4.125%
HK$54,027
baseline
▲ 0.50% · 4.625%
HK$57,314
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,054/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,558
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,074
−HK$1,539/mo
Today · 4.125%
HK$59,613
baseline
▲ 0.50% · 4.625%
HK$62,755
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,226/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,483 · Scale 2, in force from 26 Feb 2026)