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$29,253
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$925/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,892/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,543
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$885/mo
Today · 4.125%
HK$34,301
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,602/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,103
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,195
−HK$1,109/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,052
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,099
−HK$1,063/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,331
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,227
−HK$1,295/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$46,170
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,560
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,782
−HK$1,240/mo
Today · 4.125%
HK$48,022
baseline
▲ 0.50% · 4.625%
HK$50,553
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,044/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,655
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,292
−HK$1,664/mo
Today · 4.125%
HK$55,956
baseline
▲ 0.50% · 4.625%
HK$59,361
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,912/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,578
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,149
−HK$1,593/mo
Today · 4.125%
HK$61,742
baseline
▲ 0.50% · 4.625%
HK$64,997
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,484/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,074 · Scale 2, in force from 26 Feb 2026)