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$28,357
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$896/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,547
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$858/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,028
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,087
−HK$1,075/mo
Today · 4.125%
HK$36,162
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$2,201/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,324/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,856
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,871
−HK$1,030/mo
Today · 4.125%
HK$39,901
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,104/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,802/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,700
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,254/mo
Today · 4.125%
HK$42,189
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,378/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,166
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,350
−HK$1,202/mo
Today · 4.125%
HK$46,552
baseline
▲ 0.50% · 4.625%
HK$49,005
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,104/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,042
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,630
−HK$1,613/mo
Today · 4.125%
HK$54,243
baseline
▲ 0.50% · 4.625%
HK$57,544
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,486/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,784
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,307
−HK$1,545/mo
Today · 4.125%
HK$59,852
baseline
▲ 0.50% · 4.625%
HK$63,007
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,704/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,345 · Scale 2, in force from 26 Feb 2026)