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$28,541
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$902/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,752
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,604
−HK$864/mo
Today · 4.125%
HK$33,468
baseline
▲ 0.50% · 4.625%
HK$35,232
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,936/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,250
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,315
−HK$1,083/mo
Today · 4.125%
HK$36,398
baseline
▲ 0.50% · 4.625%
HK$38,612
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,796/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,103
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,037/mo
Today · 4.125%
HK$40,161
baseline
▲ 0.50% · 4.625%
HK$42,278
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,322/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,958
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,201
−HK$1,263/mo
Today · 4.125%
HK$42,464
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,584/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,928/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,453
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,645
−HK$1,210/mo
Today · 4.125%
HK$46,855
baseline
▲ 0.50% · 4.625%
HK$49,324
+HK$2,469/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,710/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,375
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,973
−HK$1,623/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,918
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,687
−HK$1,555/mo
Today · 4.125%
HK$60,242
baseline
▲ 0.50% · 4.625%
HK$63,417
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,484/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,380 · Scale 2, in force from 26 Feb 2026)