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$28,140
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$889/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,305
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$851/mo
Today · 4.125%
HK$32,996
baseline
▲ 0.50% · 4.625%
HK$34,736
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,992/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$1,067/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$38,068
+HK$2,183/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,023/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$41,683
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,395
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,621
−HK$1,245/mo
Today · 4.125%
HK$41,866
baseline
▲ 0.50% · 4.625%
HK$44,413
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,732/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,827
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,193/mo
Today · 4.125%
HK$46,195
baseline
▲ 0.50% · 4.625%
HK$48,630
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,390/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,651
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,227
−HK$1,600/mo
Today · 4.125%
HK$53,827
baseline
▲ 0.50% · 4.625%
HK$57,103
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,654/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,349
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,860
−HK$1,533/mo
Today · 4.125%
HK$59,393
baseline
▲ 0.50% · 4.625%
HK$62,524
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,786/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,770 · Scale 2, in force from 26 Feb 2026)