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$29,317
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$926/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$887/mo
Today · 4.125%
HK$34,377
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,754/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$1,112/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,138
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,188
−HK$1,064/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,427
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,321
−HK$1,297/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$46,272
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,885
−HK$1,243/mo
Today · 4.125%
HK$48,128
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,256/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,412
−HK$1,668/mo
Today · 4.125%
HK$56,080
baseline
▲ 0.50% · 4.625%
HK$59,492
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,160/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,707
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,281
−HK$1,598/mo
Today · 4.125%
HK$61,879
baseline
▲ 0.50% · 4.625%
HK$65,140
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,758/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,134 · Scale 2, in force from 26 Feb 2026)