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$29,091
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,996
−HK$919/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$880/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,909
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$35,995
−HK$1,104/mo
Today · 4.125%
HK$37,099
baseline
▲ 0.50% · 4.625%
HK$39,356
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,198/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,836
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,878
−HK$1,057/mo
Today · 4.125%
HK$40,935
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,870/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,728
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,287/mo
Today · 4.125%
HK$43,282
baseline
▲ 0.50% · 4.625%
HK$45,915
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,564/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,309
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,524
−HK$1,233/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,274
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,364
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,993
−HK$1,655/mo
Today · 4.125%
HK$55,648
baseline
▲ 0.50% · 4.625%
HK$59,034
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,296/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,255
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,817
−HK$1,585/mo
Today · 4.125%
HK$61,402
baseline
▲ 0.50% · 4.625%
HK$64,638
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,804/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,420 · Scale 2, in force from 26 Feb 2026)