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$28,906
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$913/mo
Today · 4.125%
HK$30,718
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,436/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,157
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,020
−HK$875/mo
Today · 4.125%
HK$33,895
baseline
▲ 0.50% · 4.625%
HK$35,681
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,790/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,687
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,766
−HK$1,096/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$39,105
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,589
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,624
−HK$1,049/mo
Today · 4.125%
HK$40,673
baseline
▲ 0.50% · 4.625%
HK$42,817
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,346/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,468
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,279/mo
Today · 4.125%
HK$43,006
baseline
▲ 0.50% · 4.625%
HK$45,622
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,012/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,020
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,228
−HK$1,224/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$49,954
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,030
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,649
−HK$1,644/mo
Today · 4.125%
HK$55,293
baseline
▲ 0.50% · 4.625%
HK$58,657
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,586/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,883
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,435
−HK$1,575/mo
Today · 4.125%
HK$61,010
baseline
▲ 0.50% · 4.625%
HK$64,226
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,020/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,368 · Scale 2, in force from 26 Feb 2026)