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$28,833
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,730
−HK$911/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,506
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,077
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,937
−HK$873/mo
Today · 4.125%
HK$33,810
baseline
▲ 0.50% · 4.625%
HK$35,592
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,620/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$1,094/mo
Today · 4.125%
HK$36,770
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,540/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,048/mo
Today · 4.125%
HK$40,572
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,144/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,622
−HK$1,276/mo
Today · 4.125%
HK$42,898
baseline
▲ 0.50% · 4.625%
HK$45,508
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,796/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,907
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,112
−HK$1,221/mo
Today · 4.125%
HK$47,333
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,666/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,900
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,514
−HK$1,640/mo
Today · 4.125%
HK$55,154
baseline
▲ 0.50% · 4.625%
HK$58,510
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,308/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,738
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,571/mo
Today · 4.125%
HK$60,857
baseline
▲ 0.50% · 4.625%
HK$64,065
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,714/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,177 · Scale 2, in force from 26 Feb 2026)