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$28,956
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$915/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,644
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$876/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,747
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,828
−HK$1,098/mo
Today · 4.125%
HK$36,926
baseline
▲ 0.50% · 4.625%
HK$39,172
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,852/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,655
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,692
−HK$1,052/mo
Today · 4.125%
HK$40,744
baseline
▲ 0.50% · 4.625%
HK$42,891
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,488/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,538
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,799
−HK$1,281/mo
Today · 4.125%
HK$43,080
baseline
▲ 0.50% · 4.625%
HK$45,701
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,160/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,098
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,307
−HK$1,227/mo
Today · 4.125%
HK$47,534
baseline
▲ 0.50% · 4.625%
HK$50,040
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,068/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,120
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,741
−HK$1,647/mo
Today · 4.125%
HK$55,388
baseline
▲ 0.50% · 4.625%
HK$58,759
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,776/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,983
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,538
−HK$1,578/mo
Today · 4.125%
HK$61,116
baseline
▲ 0.50% · 4.625%
HK$64,337
+HK$3,221/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,232/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,190 · Scale 2, in force from 26 Feb 2026)