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$28,334
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$896/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,943
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,521
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$857/mo
Today · 4.125%
HK$33,224
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$1,752/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,448/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,058
−HK$1,075/mo
Today · 4.125%
HK$36,133
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,266/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,826
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,840
−HK$1,029/mo
Today · 4.125%
HK$39,869
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,738/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,668
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,253/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,720
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,130
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,201/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$48,966
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,001
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,588
−HK$1,612/mo
Today · 4.125%
HK$54,200
baseline
▲ 0.50% · 4.625%
HK$57,497
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,400/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,738
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,260
−HK$1,544/mo
Today · 4.125%
HK$59,804
baseline
▲ 0.50% · 4.625%
HK$62,956
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,608/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,969 · Scale 2, in force from 26 Feb 2026)