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$28,199
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$891/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$853/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,839
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$1,070/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,024/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,479
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,247/mo
Today · 4.125%
HK$41,954
baseline
▲ 0.50% · 4.625%
HK$44,507
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,908/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,194/mo
Today · 4.125%
HK$46,292
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,584/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,758
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,337
−HK$1,604/mo
Today · 4.125%
HK$53,941
baseline
▲ 0.50% · 4.625%
HK$57,223
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,882/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,468
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,983
−HK$1,536/mo
Today · 4.125%
HK$59,519
baseline
▲ 0.50% · 4.625%
HK$62,656
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,038/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,749 · Scale 2, in force from 26 Feb 2026)