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$28,793
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$910/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,032
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$871/mo
Today · 4.125%
HK$33,762
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,524/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$1,092/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,046/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,564
−HK$1,274/mo
Today · 4.125%
HK$42,838
baseline
▲ 0.50% · 4.625%
HK$45,444
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,676/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,844
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,047
−HK$1,220/mo
Today · 4.125%
HK$47,267
baseline
▲ 0.50% · 4.625%
HK$49,759
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,534/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,827
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,439
−HK$1,638/mo
Today · 4.125%
HK$55,077
baseline
▲ 0.50% · 4.625%
HK$58,428
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,154/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,657
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,203
−HK$1,569/mo
Today · 4.125%
HK$60,772
baseline
▲ 0.50% · 4.625%
HK$63,976
+HK$3,204/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,544/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,513 · Scale 2, in force from 26 Feb 2026)