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$28,197
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,074
−HK$891/mo
Today · 4.125%
HK$29,965
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,930/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,369
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$853/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,889
−HK$1,069/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$38,146
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,652
−HK$1,024/mo
Today · 4.125%
HK$39,676
baseline
▲ 0.50% · 4.625%
HK$41,767
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,352/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,475
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,248/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,195/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$48,729
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,754
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,604/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,464
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,536/mo
Today · 4.125%
HK$59,514
baseline
▲ 0.50% · 4.625%
HK$62,651
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,028/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,711 · Scale 2, in force from 26 Feb 2026)