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$28,792
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$910/mo
Today · 4.125%
HK$30,597
baseline
▲ 0.50% · 4.625%
HK$32,459
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,194/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,031
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,890
−HK$871/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,541
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$1,092/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,951
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,437
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,045/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,649
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,308
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,562
−HK$1,274/mo
Today · 4.125%
HK$42,836
baseline
▲ 0.50% · 4.625%
HK$45,443
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,672/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,843
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,045
−HK$1,220/mo
Today · 4.125%
HK$47,265
baseline
▲ 0.50% · 4.625%
HK$49,757
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,530/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,825
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,437
−HK$1,638/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,655
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,569/mo
Today · 4.125%
HK$60,770
baseline
▲ 0.50% · 4.625%
HK$63,973
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,540/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,496 · Scale 2, in force from 26 Feb 2026)