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$28,806
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$910/mo
Today · 4.125%
HK$30,612
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,224/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,046
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$871/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,558
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,567
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$1,093/mo
Today · 4.125%
HK$36,735
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,470/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,455
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,487
−HK$1,046/mo
Today · 4.125%
HK$40,533
baseline
▲ 0.50% · 4.625%
HK$42,669
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,066/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,328
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,582
−HK$1,275/mo
Today · 4.125%
HK$42,857
baseline
▲ 0.50% · 4.625%
HK$45,465
+HK$2,608/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,714/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,068
−HK$1,220/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$49,781
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,850
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,463
−HK$1,639/mo
Today · 4.125%
HK$55,102
baseline
▲ 0.50% · 4.625%
HK$58,455
+HK$3,353/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,204/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,230
−HK$1,569/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,004
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,726 · Scale 2, in force from 26 Feb 2026)