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$28,763
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$909/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,426
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,998
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,856
−HK$871/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,505
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,589
−HK$1,091/mo
Today · 4.125%
HK$36,680
baseline
▲ 0.50% · 4.625%
HK$38,912
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,360/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,398
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,428
−HK$1,044/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,606
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,268
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,520
−HK$1,273/mo
Today · 4.125%
HK$42,793
baseline
▲ 0.50% · 4.625%
HK$45,397
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,586/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,798
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,999
−HK$1,219/mo
Today · 4.125%
HK$47,218
baseline
▲ 0.50% · 4.625%
HK$49,707
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,436/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,773
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,383
−HK$1,636/mo
Today · 4.125%
HK$55,019
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,038/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,597
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,142
−HK$1,567/mo
Today · 4.125%
HK$60,709
baseline
▲ 0.50% · 4.625%
HK$63,909
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,418/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,018 · Scale 2, in force from 26 Feb 2026)