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$29,398
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$929/mo
Today · 4.125%
HK$31,241
baseline
▲ 0.50% · 4.625%
HK$33,142
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,482/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,705
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,582
−HK$890/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,289
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,277
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$1,115/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,771
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,246
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,298
−HK$1,068/mo
Today · 4.125%
HK$41,366
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,732/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,157
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,301/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,399
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,787
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,015
−HK$1,245/mo
Today · 4.125%
HK$48,260
baseline
▲ 0.50% · 4.625%
HK$50,804
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,520/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,916
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,562
−HK$1,672/mo
Today · 4.125%
HK$56,234
baseline
▲ 0.50% · 4.625%
HK$59,656
+HK$3,422/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,468/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,869
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,447
−HK$1,602/mo
Today · 4.125%
HK$62,049
baseline
▲ 0.50% · 4.625%
HK$65,320
+HK$3,271/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,098/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,463 · Scale 2, in force from 26 Feb 2026)