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$28,736
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$909/mo
Today · 4.125%
HK$30,538
baseline
▲ 0.50% · 4.625%
HK$32,396
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,076/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,968
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,825
−HK$870/mo
Today · 4.125%
HK$33,695
baseline
▲ 0.50% · 4.625%
HK$35,471
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,390/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,483
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,555
−HK$1,090/mo
Today · 4.125%
HK$36,645
baseline
▲ 0.50% · 4.625%
HK$38,875
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,290/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,362
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,044/mo
Today · 4.125%
HK$40,434
baseline
▲ 0.50% · 4.625%
HK$42,566
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,868/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,230
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,481
−HK$1,272/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,354
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,755
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,956
−HK$1,217/mo
Today · 4.125%
HK$47,173
baseline
▲ 0.50% · 4.625%
HK$49,660
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,346/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,724
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,333
−HK$1,635/mo
Today · 4.125%
HK$54,968
baseline
▲ 0.50% · 4.625%
HK$58,312
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,936/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,542
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,086
−HK$1,565/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,572 · Scale 2, in force from 26 Feb 2026)