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$28,706
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,599
−HK$907/mo
Today · 4.125%
HK$30,506
baseline
▲ 0.50% · 4.625%
HK$32,362
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,012/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,935
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,791
−HK$869/mo
Today · 4.125%
HK$33,660
baseline
▲ 0.50% · 4.625%
HK$35,434
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,320/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$1,089/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,042/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,438
−HK$1,270/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,709
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,908
−HK$1,216/mo
Today · 4.125%
HK$47,124
baseline
▲ 0.50% · 4.625%
HK$49,608
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,248/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,670
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,277
−HK$1,633/mo
Today · 4.125%
HK$54,910
baseline
▲ 0.50% · 4.625%
HK$58,252
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,820/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,483
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,024
−HK$1,564/mo
Today · 4.125%
HK$60,588
baseline
▲ 0.50% · 4.625%
HK$63,782
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,176/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,080 · Scale 2, in force from 26 Feb 2026)