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$29,334
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$927/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,634
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$888/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$1,113/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,685
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,161
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,066/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,453
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,346
−HK$1,297/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$46,299
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,688
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,913
−HK$1,243/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$50,695
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,802
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,444
−HK$1,669/mo
Today · 4.125%
HK$56,113
baseline
▲ 0.50% · 4.625%
HK$59,527
+HK$3,414/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,226/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,742
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,317
−HK$1,598/mo
Today · 4.125%
HK$61,915
baseline
▲ 0.50% · 4.625%
HK$65,179
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,830/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,419 · Scale 2, in force from 26 Feb 2026)