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$28,179
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$891/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$853/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,866
−HK$1,069/mo
Today · 4.125%
HK$35,935
baseline
▲ 0.50% · 4.625%
HK$38,121
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,870/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,618
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,627
−HK$1,024/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,450
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,677
−HK$1,247/mo
Today · 4.125%
HK$41,924
baseline
▲ 0.50% · 4.625%
HK$44,475
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,848/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,888
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,065
−HK$1,194/mo
Today · 4.125%
HK$46,259
baseline
▲ 0.50% · 4.625%
HK$48,697
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,518/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,722
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,299
−HK$1,603/mo
Today · 4.125%
HK$53,902
baseline
▲ 0.50% · 4.625%
HK$57,182
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,804/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,427
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,941
−HK$1,535/mo
Today · 4.125%
HK$59,476
baseline
▲ 0.50% · 4.625%
HK$62,611
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,952/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,413 · Scale 2, in force from 26 Feb 2026)