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$28,027
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$886/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,597
+HK$1,812/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,180
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$849/mo
Today · 4.125%
HK$32,865
baseline
▲ 0.50% · 4.625%
HK$34,597
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,730/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,633
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,679
−HK$1,063/mo
Today · 4.125%
HK$35,742
baseline
▲ 0.50% · 4.625%
HK$37,917
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,484/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,416
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,420
−HK$1,018/mo
Today · 4.125%
HK$39,438
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,078/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,876/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,238
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,459
−HK$1,240/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$44,236
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,652
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,823
−HK$1,187/mo
Today · 4.125%
HK$46,010
baseline
▲ 0.50% · 4.625%
HK$48,436
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,020/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,449
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,018
−HK$1,595/mo
Today · 4.125%
HK$53,613
baseline
▲ 0.50% · 4.625%
HK$56,875
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,226/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,124
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,527/mo
Today · 4.125%
HK$59,156
baseline
▲ 0.50% · 4.625%
HK$62,275
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,312/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,923 · Scale 2, in force from 26 Feb 2026)