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$28,588
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$904/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,804
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,657
−HK$865/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,289
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,306
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,373
−HK$1,084/mo
Today · 4.125%
HK$36,457
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,914/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,165
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,039/mo
Today · 4.125%
HK$40,227
baseline
▲ 0.50% · 4.625%
HK$42,347
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,454/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,268
−HK$1,265/mo
Today · 4.125%
HK$42,533
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,066/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,525
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,720
−HK$1,211/mo
Today · 4.125%
HK$46,931
baseline
▲ 0.50% · 4.625%
HK$49,405
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,862/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,458
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,059
−HK$1,626/mo
Today · 4.125%
HK$54,685
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,370/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,247
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,782
−HK$1,558/mo
Today · 4.125%
HK$60,340
baseline
▲ 0.50% · 4.625%
HK$63,520
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,680/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,145 · Scale 2, in force from 26 Feb 2026)