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$28,653
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$905/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,303
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,877
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$867/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,384
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,454
−HK$1,086/mo
Today · 4.125%
HK$36,540
baseline
▲ 0.50% · 4.625%
HK$38,764
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,080/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,252
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,278
−HK$1,041/mo
Today · 4.125%
HK$40,319
baseline
▲ 0.50% · 4.625%
HK$42,444
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,638/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,115
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,363
−HK$1,267/mo
Today · 4.125%
HK$42,630
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,260/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,627
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,824
−HK$1,214/mo
Today · 4.125%
HK$47,038
baseline
▲ 0.50% · 4.625%
HK$49,518
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,076/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,576
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,181
−HK$1,630/mo
Today · 4.125%
HK$54,811
baseline
▲ 0.50% · 4.625%
HK$58,146
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,622/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,378
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,917
−HK$1,561/mo
Today · 4.125%
HK$60,478
baseline
▲ 0.50% · 4.625%
HK$63,666
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,956/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,222 · Scale 2, in force from 26 Feb 2026)