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$28,689
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$907/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,343
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,916
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,772
−HK$868/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$1,088/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,811
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,299
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,326
−HK$1,042/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,496
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,164
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,269/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$45,280
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,682
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,215/mo
Today · 4.125%
HK$47,096
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,483/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,192/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,640
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,246
−HK$1,632/mo
Today · 4.125%
HK$54,878
baseline
▲ 0.50% · 4.625%
HK$58,217
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,756/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,449
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,989
−HK$1,563/mo
Today · 4.125%
HK$60,552
baseline
▲ 0.50% · 4.625%
HK$63,744
+HK$3,192/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,104/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,802 · Scale 2, in force from 26 Feb 2026)