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$28,236
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,115
−HK$892/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,833
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,255
−HK$855/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$34,855
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,883
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,937
−HK$1,071/mo
Today · 4.125%
HK$36,008
baseline
▲ 0.50% · 4.625%
HK$38,199
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,016/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,695
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,026/mo
Today · 4.125%
HK$39,732
baseline
▲ 0.50% · 4.625%
HK$41,826
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,464/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,531
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,760
−HK$1,250/mo
Today · 4.125%
HK$42,010
baseline
▲ 0.50% · 4.625%
HK$44,566
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,020/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,977
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,157
−HK$1,196/mo
Today · 4.125%
HK$46,353
baseline
▲ 0.50% · 4.625%
HK$48,797
+HK$2,444/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,706/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,825
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,406
−HK$1,606/mo
Today · 4.125%
HK$54,012
baseline
▲ 0.50% · 4.625%
HK$57,299
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,024/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,542
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,059
−HK$1,538/mo
Today · 4.125%
HK$59,597
baseline
▲ 0.50% · 4.625%
HK$62,739
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,194/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,360 · Scale 2, in force from 26 Feb 2026)