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$28,970
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$916/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$877/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$1,099/mo
Today · 4.125%
HK$36,944
baseline
▲ 0.50% · 4.625%
HK$39,192
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,888/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,675
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,052/mo
Today · 4.125%
HK$40,764
baseline
▲ 0.50% · 4.625%
HK$42,913
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,528/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,558
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,281/mo
Today · 4.125%
HK$43,101
baseline
▲ 0.50% · 4.625%
HK$45,724
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,202/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,120
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,228/mo
Today · 4.125%
HK$47,558
baseline
▲ 0.50% · 4.625%
HK$50,065
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,116/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,146
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,768
−HK$1,648/mo
Today · 4.125%
HK$55,416
baseline
▲ 0.50% · 4.625%
HK$58,788
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,832/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,012
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,568
−HK$1,578/mo
Today · 4.125%
HK$61,146
baseline
▲ 0.50% · 4.625%
HK$64,369
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,292/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,427 · Scale 2, in force from 26 Feb 2026)