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$28,348
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,230
−HK$895/mo
Today · 4.125%
HK$30,125
baseline
▲ 0.50% · 4.625%
HK$31,958
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,250/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,537
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$858/mo
Today · 4.125%
HK$33,240
baseline
▲ 0.50% · 4.625%
HK$34,993
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,480/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$1,076/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,844
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,859
−HK$1,030/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,687
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,921
−HK$1,255/mo
Today · 4.125%
HK$42,176
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,352/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,151
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,335
−HK$1,202/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,026
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,613
−HK$1,613/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,525
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,766
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,288
−HK$1,545/mo
Today · 4.125%
HK$59,833
baseline
▲ 0.50% · 4.625%
HK$62,987
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,666/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,194 · Scale 2, in force from 26 Feb 2026)