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$28,588
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$903/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,803
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$866/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,289
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,305
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,372
−HK$1,084/mo
Today · 4.125%
HK$36,456
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$2,219/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,912/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,164
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,038/mo
Today · 4.125%
HK$40,226
baseline
▲ 0.50% · 4.625%
HK$42,346
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,452/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,265/mo
Today · 4.125%
HK$42,532
baseline
▲ 0.50% · 4.625%
HK$45,120
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,064/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,525
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,211/mo
Today · 4.125%
HK$46,930
baseline
▲ 0.50% · 4.625%
HK$49,404
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,860/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,458
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,626/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$58,012
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,246
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,558/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$63,519
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,137 · Scale 2, in force from 26 Feb 2026)