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$28,849
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$912/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,523
+HK$1,865/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,094
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$873/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,611
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,619
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,695
−HK$1,095/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$39,028
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,513
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,048/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,388
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,276/mo
Today · 4.125%
HK$42,921
baseline
▲ 0.50% · 4.625%
HK$45,533
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,842/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,932
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,222/mo
Today · 4.125%
HK$47,359
baseline
▲ 0.50% · 4.625%
HK$49,856
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,718/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,928
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,543
−HK$1,641/mo
Today · 4.125%
HK$55,184
baseline
▲ 0.50% · 4.625%
HK$58,542
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,368/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,769
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,319
−HK$1,571/mo
Today · 4.125%
HK$60,890
baseline
▲ 0.50% · 4.625%
HK$64,100
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,780/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,435 · Scale 2, in force from 26 Feb 2026)