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$28,298
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$894/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,902
+HK$1,830/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,481
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,325
−HK$857/mo
Today · 4.125%
HK$33,182
baseline
▲ 0.50% · 4.625%
HK$34,931
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,364/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$1,073/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,777
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,027/mo
Today · 4.125%
HK$39,818
baseline
▲ 0.50% · 4.625%
HK$41,917
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,636/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,617
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,849
−HK$1,252/mo
Today · 4.125%
HK$42,101
baseline
▲ 0.50% · 4.625%
HK$44,663
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,202/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,256
−HK$1,199/mo
Today · 4.125%
HK$46,455
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,910/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,936
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,521
−HK$1,609/mo
Today · 4.125%
HK$54,130
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,260/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,666
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,186
−HK$1,542/mo
Today · 4.125%
HK$59,728
baseline
▲ 0.50% · 4.625%
HK$62,876
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,456/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,374 · Scale 2, in force from 26 Feb 2026)