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$28,142
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$889/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$851/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,821
−HK$1,067/mo
Today · 4.125%
HK$35,888
baseline
▲ 0.50% · 4.625%
HK$38,072
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,776/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,570
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,577
−HK$1,022/mo
Today · 4.125%
HK$39,599
baseline
▲ 0.50% · 4.625%
HK$41,687
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,198/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,399
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,625
−HK$1,245/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,417
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,831
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,007
−HK$1,192/mo
Today · 4.125%
HK$46,199
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,398/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,656
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,601/mo
Today · 4.125%
HK$53,833
baseline
▲ 0.50% · 4.625%
HK$57,108
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,666/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,354
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,866
−HK$1,533/mo
Today · 4.125%
HK$59,399
baseline
▲ 0.50% · 4.625%
HK$62,530
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,798/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,814 · Scale 2, in force from 26 Feb 2026)