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$28,975
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$916/mo
Today · 4.125%
HK$30,792
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,584/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$877/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$35,767
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,851
−HK$1,099/mo
Today · 4.125%
HK$36,950
baseline
▲ 0.50% · 4.625%
HK$39,199
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,900/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,681
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,719
−HK$1,052/mo
Today · 4.125%
HK$40,771
baseline
▲ 0.50% · 4.625%
HK$42,920
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,542/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,565
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,282/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,732
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,338
−HK$1,228/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,073
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,155
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,648/mo
Today · 4.125%
HK$55,425
baseline
▲ 0.50% · 4.625%
HK$58,798
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,850/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,022
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,578
−HK$1,578/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,380
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,508 · Scale 2, in force from 26 Feb 2026)