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$28,427
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$898/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,625
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$861/mo
Today · 4.125%
HK$33,334
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,668/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,113
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$1,078/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,458
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,950
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,968
−HK$1,033/mo
Today · 4.125%
HK$40,001
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,002/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,798
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,258/mo
Today · 4.125%
HK$42,294
baseline
▲ 0.50% · 4.625%
HK$44,868
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,588/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,275
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,463
−HK$1,204/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,169
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,761
−HK$1,617/mo
Today · 4.125%
HK$54,378
baseline
▲ 0.50% · 4.625%
HK$57,687
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,756/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,925
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,452
−HK$1,549/mo
Today · 4.125%
HK$60,001
baseline
▲ 0.50% · 4.625%
HK$63,164
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,002/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,504 · Scale 2, in force from 26 Feb 2026)