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$28,410
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$898/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$32,029
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,454
−HK$860/mo
Today · 4.125%
HK$33,314
baseline
▲ 0.50% · 4.625%
HK$35,070
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,628/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,092
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$1,077/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,945
−HK$1,031/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,084
+HK$2,108/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,257/mo
Today · 4.125%
HK$42,269
baseline
▲ 0.50% · 4.625%
HK$44,841
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,538/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,249
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,435
−HK$1,204/mo
Today · 4.125%
HK$46,639
baseline
▲ 0.50% · 4.625%
HK$49,098
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,278/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,139
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,729
−HK$1,616/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,652
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,891
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,417
−HK$1,548/mo
Today · 4.125%
HK$59,965
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,930/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,222 · Scale 2, in force from 26 Feb 2026)