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$28,985
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$916/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$878/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$1,099/mo
Today · 4.125%
HK$36,963
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,926/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,053/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,150/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,579
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,841
−HK$1,283/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,144
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,354
−HK$1,229/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,091
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,173
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,796
−HK$1,649/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,818
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,042
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,579/mo
Today · 4.125%
HK$61,178
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,356/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,674 · Scale 2, in force from 26 Feb 2026)