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$28,901
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$913/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,014
−HK$875/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,681
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$1,096/mo
Today · 4.125%
HK$36,856
baseline
▲ 0.50% · 4.625%
HK$39,098
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,712/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,582
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,617
−HK$1,050/mo
Today · 4.125%
HK$40,667
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,334/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,461
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,720
−HK$1,278/mo
Today · 4.125%
HK$42,998
baseline
▲ 0.50% · 4.625%
HK$45,615
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,996/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,013
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,220
−HK$1,224/mo
Today · 4.125%
HK$47,444
baseline
▲ 0.50% · 4.625%
HK$49,945
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,888/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,021
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,644/mo
Today · 4.125%
HK$55,284
baseline
▲ 0.50% · 4.625%
HK$58,648
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,568/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,873
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,425
−HK$1,575/mo
Today · 4.125%
HK$61,000
baseline
▲ 0.50% · 4.625%
HK$64,215
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,000/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,289 · Scale 2, in force from 26 Feb 2026)