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$28,152
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,028
−HK$889/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,821/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,319
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,159
−HK$852/mo
Today · 4.125%
HK$33,011
baseline
▲ 0.50% · 4.625%
HK$34,751
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,022/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$1,068/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,583
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,591
−HK$1,022/mo
Today · 4.125%
HK$39,613
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,226/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,413
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,245/mo
Today · 4.125%
HK$41,884
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,768/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,846
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,022
−HK$1,193/mo
Today · 4.125%
HK$46,215
baseline
▲ 0.50% · 4.625%
HK$48,651
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,430/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,674
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,250
−HK$1,601/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$57,128
+HK$3,277/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,374
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,886
−HK$1,534/mo
Today · 4.125%
HK$59,420
baseline
▲ 0.50% · 4.625%
HK$62,552
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,840/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,975 · Scale 2, in force from 26 Feb 2026)