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$28,202
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$891/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$854/mo
Today · 4.125%
HK$33,069
baseline
▲ 0.50% · 4.625%
HK$34,812
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,138/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,842
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$1,069/mo
Today · 4.125%
HK$35,964
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,928/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,024/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,482
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,710
−HK$1,248/mo
Today · 4.125%
HK$41,958
baseline
▲ 0.50% · 4.625%
HK$44,511
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,916/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,195/mo
Today · 4.125%
HK$46,297
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,594/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,763
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,342
−HK$1,604/mo
Today · 4.125%
HK$53,946
baseline
▲ 0.50% · 4.625%
HK$57,229
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,892/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,473
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,988
−HK$1,536/mo
Today · 4.125%
HK$59,524
baseline
▲ 0.50% · 4.625%
HK$62,662
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,048/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,790 · Scale 2, in force from 26 Feb 2026)