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$29,317
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$926/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$888/mo
Today · 4.125%
HK$34,377
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,754/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$1,112/mo
Today · 4.125%
HK$37,386
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,772/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,065/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,043
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,320
−HK$1,297/mo
Today · 4.125%
HK$43,617
baseline
▲ 0.50% · 4.625%
HK$46,271
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,234/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,660
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,885
−HK$1,242/mo
Today · 4.125%
HK$48,127
baseline
▲ 0.50% · 4.625%
HK$50,664
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,254/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,770
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,412
−HK$1,667/mo
Today · 4.125%
HK$56,079
baseline
▲ 0.50% · 4.625%
HK$59,492
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,158/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,706
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,281
−HK$1,597/mo
Today · 4.125%
HK$61,878
baseline
▲ 0.50% · 4.625%
HK$65,140
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,756/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,129 · Scale 2, in force from 26 Feb 2026)