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$29,270
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,181
−HK$925/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,999
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,563
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$886/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,132
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,125
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$1,110/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,598
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,076
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,063/mo
Today · 4.125%
HK$41,187
baseline
▲ 0.50% · 4.625%
HK$43,358
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,374/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,979
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,253
−HK$1,295/mo
Today · 4.125%
HK$43,548
baseline
▲ 0.50% · 4.625%
HK$46,198
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,096/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,588
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,811
−HK$1,240/mo
Today · 4.125%
HK$48,051
baseline
▲ 0.50% · 4.625%
HK$50,584
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,102/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,687
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,326
−HK$1,665/mo
Today · 4.125%
HK$55,991
baseline
▲ 0.50% · 4.625%
HK$59,398
+HK$3,407/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,982/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,614
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,186
−HK$1,594/mo
Today · 4.125%
HK$61,780
baseline
▲ 0.50% · 4.625%
HK$65,037
+HK$3,257/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,560/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,368 · Scale 2, in force from 26 Feb 2026)