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$28,423
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$899/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$860/mo
Today · 4.125%
HK$33,329
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,658/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,108
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$1,078/mo
Today · 4.125%
HK$36,247
baseline
▲ 0.50% · 4.625%
HK$38,452
+HK$2,205/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,494/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,945
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,033/mo
Today · 4.125%
HK$39,995
baseline
▲ 0.50% · 4.625%
HK$42,103
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,990/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,793
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,030
−HK$1,258/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,269
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,205/mo
Today · 4.125%
HK$46,661
baseline
▲ 0.50% · 4.625%
HK$49,120
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,322/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,162
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,753
−HK$1,617/mo
Today · 4.125%
HK$54,370
baseline
▲ 0.50% · 4.625%
HK$57,679
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,740/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,917
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,444
−HK$1,548/mo
Today · 4.125%
HK$59,992
baseline
▲ 0.50% · 4.625%
HK$63,155
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,984/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,437 · Scale 2, in force from 26 Feb 2026)