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$28,373
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$897/mo
Today · 4.125%
HK$30,152
baseline
▲ 0.50% · 4.625%
HK$31,987
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,304/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,411
−HK$859/mo
Today · 4.125%
HK$33,270
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,540/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$1,076/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,364/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,877
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,031/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,028
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,722
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,256/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,190
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,203/mo
Today · 4.125%
HK$46,578
baseline
▲ 0.50% · 4.625%
HK$49,033
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,156/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,071
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,660
−HK$1,614/mo
Today · 4.125%
HK$54,274
baseline
▲ 0.50% · 4.625%
HK$57,576
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,548/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,816
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,340
−HK$1,546/mo
Today · 4.125%
HK$59,886
baseline
▲ 0.50% · 4.625%
HK$63,042
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,772/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,605 · Scale 2, in force from 26 Feb 2026)