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$29,278
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,189
−HK$925/mo
Today · 4.125%
HK$31,114
baseline
▲ 0.50% · 4.625%
HK$33,007
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,228/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,572
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$886/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,141
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$1,111/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,063/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,369
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,989
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,296/mo
Today · 4.125%
HK$43,560
baseline
▲ 0.50% · 4.625%
HK$46,210
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,120/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,600
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,823
−HK$1,241/mo
Today · 4.125%
HK$48,064
baseline
▲ 0.50% · 4.625%
HK$50,597
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,128/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,340
−HK$1,665/mo
Today · 4.125%
HK$56,005
baseline
▲ 0.50% · 4.625%
HK$59,413
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,010/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,629
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,201
−HK$1,595/mo
Today · 4.125%
HK$61,796
baseline
▲ 0.50% · 4.625%
HK$65,054
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,592/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,493 · Scale 2, in force from 26 Feb 2026)