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$28,948
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,849
−HK$915/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,636
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,205
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,069
−HK$876/mo
Today · 4.125%
HK$33,945
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,890/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$1,098/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$39,163
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,646
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,052/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$42,881
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,280/mo
Today · 4.125%
HK$43,069
baseline
▲ 0.50% · 4.625%
HK$45,690
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,138/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,087
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,296
−HK$1,227/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,107
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,728
−HK$1,647/mo
Today · 4.125%
HK$55,375
baseline
▲ 0.50% · 4.625%
HK$58,744
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,750/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,969
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,524
−HK$1,577/mo
Today · 4.125%
HK$61,101
baseline
▲ 0.50% · 4.625%
HK$64,321
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,202/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,073 · Scale 2, in force from 26 Feb 2026)