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$28,626
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$904/mo
Today · 4.125%
HK$30,421
baseline
▲ 0.50% · 4.625%
HK$32,273
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,842/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,846
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,701
−HK$866/mo
Today · 4.125%
HK$33,567
baseline
▲ 0.50% · 4.625%
HK$35,336
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,134/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,420
−HK$1,086/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,727
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,039/mo
Today · 4.125%
HK$40,280
baseline
▲ 0.50% · 4.625%
HK$42,404
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,560/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,077
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,323
−HK$1,267/mo
Today · 4.125%
HK$42,590
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,180/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,585
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,213/mo
Today · 4.125%
HK$46,994
baseline
▲ 0.50% · 4.625%
HK$49,471
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,988/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,527
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,130
−HK$1,629/mo
Today · 4.125%
HK$54,759
baseline
▲ 0.50% · 4.625%
HK$58,091
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,518/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,324
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,861
−HK$1,560/mo
Today · 4.125%
HK$60,421
baseline
▲ 0.50% · 4.625%
HK$63,606
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,842/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,775 · Scale 2, in force from 26 Feb 2026)