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$29,079
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,984
−HK$919/mo
Today · 4.125%
HK$30,903
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,806/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,350
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,218
−HK$880/mo
Today · 4.125%
HK$34,098
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,196/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,895
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$1,103/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,340
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,820
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,057/mo
Today · 4.125%
HK$40,918
baseline
▲ 0.50% · 4.625%
HK$43,074
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,836/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,977
−HK$1,287/mo
Today · 4.125%
HK$43,264
baseline
▲ 0.50% · 4.625%
HK$45,896
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,528/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,290
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,505
−HK$1,232/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,253
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,342
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,971
−HK$1,654/mo
Today · 4.125%
HK$55,625
baseline
▲ 0.50% · 4.625%
HK$59,009
+HK$3,384/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,250/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,230
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,792
−HK$1,584/mo
Today · 4.125%
HK$61,376
baseline
▲ 0.50% · 4.625%
HK$64,612
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,752/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,221 · Scale 2, in force from 26 Feb 2026)