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$28,861
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$874/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$1,094/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,562
−HK$1,048/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$42,751
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,662
−HK$1,276/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,950
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,223/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$49,876
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,949
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,565
−HK$1,642/mo
Today · 4.125%
HK$55,207
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,414/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,793
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,343
−HK$1,572/mo
Today · 4.125%
HK$60,915
baseline
▲ 0.50% · 4.625%
HK$64,126
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,830/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,627 · Scale 2, in force from 26 Feb 2026)