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$28,925
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$914/mo
Today · 4.125%
HK$30,739
baseline
▲ 0.50% · 4.625%
HK$32,610
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,478/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,179
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,042
−HK$876/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,706
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,710
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$1,097/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$2,245/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,050/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,280/mo
Today · 4.125%
HK$43,035
baseline
▲ 0.50% · 4.625%
HK$45,653
+HK$2,618/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,070/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,259
−HK$1,226/mo
Today · 4.125%
HK$47,485
baseline
▲ 0.50% · 4.625%
HK$49,988
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,970/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,066
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,685
−HK$1,646/mo
Today · 4.125%
HK$55,331
baseline
▲ 0.50% · 4.625%
HK$58,697
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,662/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,922
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,476
−HK$1,576/mo
Today · 4.125%
HK$61,052
baseline
▲ 0.50% · 4.625%
HK$64,270
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,104/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,692 · Scale 2, in force from 26 Feb 2026)