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$28,997
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,899
−HK$916/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,259
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,124
−HK$878/mo
Today · 4.125%
HK$34,002
baseline
▲ 0.50% · 4.625%
HK$35,794
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,004/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,879
−HK$1,099/mo
Today · 4.125%
HK$36,978
baseline
▲ 0.50% · 4.625%
HK$39,228
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,956/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,710
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,749
−HK$1,053/mo
Today · 4.125%
HK$40,802
baseline
▲ 0.50% · 4.625%
HK$42,953
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,604/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,596
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,283/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,625/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,162
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,373
−HK$1,229/mo
Today · 4.125%
HK$47,602
baseline
▲ 0.50% · 4.625%
HK$50,111
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,204/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,194
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,818
−HK$1,649/mo
Today · 4.125%
HK$55,467
baseline
▲ 0.50% · 4.625%
HK$58,842
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,934/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,066
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,623
−HK$1,580/mo
Today · 4.125%
HK$61,203
baseline
▲ 0.50% · 4.625%
HK$64,429
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,406/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,868 · Scale 2, in force from 26 Feb 2026)