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$28,751
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$909/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,413
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,985
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,843
−HK$870/mo
Today · 4.125%
HK$33,713
baseline
▲ 0.50% · 4.625%
HK$35,491
+HK$1,778/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,426/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,501
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,575
−HK$1,090/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,896
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,044/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,589
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,252
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,504
−HK$1,272/mo
Today · 4.125%
HK$42,776
baseline
▲ 0.50% · 4.625%
HK$45,379
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,552/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,780
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,980
−HK$1,219/mo
Today · 4.125%
HK$47,199
baseline
▲ 0.50% · 4.625%
HK$49,687
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,398/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,752
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,362
−HK$1,635/mo
Today · 4.125%
HK$54,997
baseline
▲ 0.50% · 4.625%
HK$58,344
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,994/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,574
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,118
−HK$1,566/mo
Today · 4.125%
HK$60,684
baseline
▲ 0.50% · 4.625%
HK$63,883
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,368/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,828 · Scale 2, in force from 26 Feb 2026)