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$29,464
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$931/mo
Today · 4.125%
HK$31,311
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,622/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,657
−HK$892/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$1,118/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,860
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,070/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,644
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,249
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,532
−HK$1,304/mo
Today · 4.125%
HK$43,836
baseline
▲ 0.50% · 4.625%
HK$46,503
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,672/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,889
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,120
−HK$1,249/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$50,918
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,035
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,677/mo
Today · 4.125%
HK$56,361
baseline
▲ 0.50% · 4.625%
HK$59,790
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,722/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,583
−HK$1,605/mo
Today · 4.125%
HK$62,188
baseline
▲ 0.50% · 4.625%
HK$65,466
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,376/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,547 · Scale 2, in force from 26 Feb 2026)