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$28,716
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,609
−HK$907/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,373
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,946
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$869/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$1,089/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,335
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,043/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,202
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,453
−HK$1,270/mo
Today · 4.125%
HK$42,723
baseline
▲ 0.50% · 4.625%
HK$45,323
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,446/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,724
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,924
−HK$1,217/mo
Today · 4.125%
HK$47,141
baseline
▲ 0.50% · 4.625%
HK$49,626
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,282/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,688
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,296
−HK$1,634/mo
Today · 4.125%
HK$54,930
baseline
▲ 0.50% · 4.625%
HK$58,272
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,860/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,503
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,045
−HK$1,564/mo
Today · 4.125%
HK$60,609
baseline
▲ 0.50% · 4.625%
HK$63,804
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,218/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,246 · Scale 2, in force from 26 Feb 2026)