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$28,584
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,473
−HK$903/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$865/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,367
−HK$1,084/mo
Today · 4.125%
HK$36,451
baseline
▲ 0.50% · 4.625%
HK$38,669
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,902/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,159
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,039/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,341
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,262
−HK$1,265/mo
Today · 4.125%
HK$42,527
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,054/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,519
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,713
−HK$1,211/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,397
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,051
−HK$1,626/mo
Today · 4.125%
HK$54,677
baseline
▲ 0.50% · 4.625%
HK$58,004
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,354/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,238
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,773
−HK$1,558/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$63,511
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,074 · Scale 2, in force from 26 Feb 2026)