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$28,769
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$909/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$870/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,523
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$1,091/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,920
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,436
−HK$1,045/mo
Today · 4.125%
HK$40,481
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,962/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,277
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,272/mo
Today · 4.125%
HK$42,802
baseline
▲ 0.50% · 4.625%
HK$45,407
+HK$2,605/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,604/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,807
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,009
−HK$1,219/mo
Today · 4.125%
HK$47,228
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,490/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,456/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,784
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,395
−HK$1,637/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$58,380
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,610
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,155
−HK$1,567/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$63,923
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,123 · Scale 2, in force from 26 Feb 2026)