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$28,533
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$901/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$32,168
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,743
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,594
−HK$864/mo
Today · 4.125%
HK$33,458
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,916/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,240
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,305
−HK$1,082/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,036/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,189
−HK$1,262/mo
Today · 4.125%
HK$42,451
baseline
▲ 0.50% · 4.625%
HK$45,035
+HK$2,584/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,902/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,440
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,632
−HK$1,209/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,310
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,360
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,957
−HK$1,623/mo
Today · 4.125%
HK$54,580
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,160/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,137
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,670
−HK$1,554/mo
Today · 4.125%
HK$60,224
baseline
▲ 0.50% · 4.625%
HK$63,399
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,448/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,244 · Scale 2, in force from 26 Feb 2026)