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$28,836
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$911/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,509
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,079
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$873/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,595
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,603
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$1,094/mo
Today · 4.125%
HK$36,773
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,546/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,528
−HK$1,047/mo
Today · 4.125%
HK$40,575
baseline
▲ 0.50% · 4.625%
HK$42,714
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,150/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,370
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,626
−HK$1,276/mo
Today · 4.125%
HK$42,902
baseline
▲ 0.50% · 4.625%
HK$45,512
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,804/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,911
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,116
−HK$1,222/mo
Today · 4.125%
HK$47,338
baseline
▲ 0.50% · 4.625%
HK$49,833
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,676/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,904
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,519
−HK$1,640/mo
Today · 4.125%
HK$55,159
baseline
▲ 0.50% · 4.625%
HK$58,516
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,318/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,743
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,292
−HK$1,571/mo
Today · 4.125%
HK$60,863
baseline
▲ 0.50% · 4.625%
HK$64,071
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,726/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,219 · Scale 2, in force from 26 Feb 2026)