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$28,260
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$893/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,860
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,440
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$855/mo
Today · 4.125%
HK$33,138
baseline
▲ 0.50% · 4.625%
HK$34,885
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,276/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,913
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,072/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$38,232
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,027/mo
Today · 4.125%
HK$39,766
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,532/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,565
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,251/mo
Today · 4.125%
HK$42,046
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,092/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,196
−HK$1,197/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$48,839
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,786/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,869
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,451
−HK$1,608/mo
Today · 4.125%
HK$54,059
baseline
▲ 0.50% · 4.625%
HK$57,348
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,118/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,591
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,109
−HK$1,540/mo
Today · 4.125%
HK$59,649
baseline
▲ 0.50% · 4.625%
HK$62,793
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,298/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,759 · Scale 2, in force from 26 Feb 2026)