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$29,275
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$925/mo
Today · 4.125%
HK$31,110
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,220/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$886/mo
Today · 4.125%
HK$34,327
baseline
▲ 0.50% · 4.625%
HK$36,137
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,654/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,130
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,222
−HK$1,111/mo
Today · 4.125%
HK$37,333
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$2,271/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,666/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,081
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,130
−HK$1,063/mo
Today · 4.125%
HK$41,193
baseline
▲ 0.50% · 4.625%
HK$43,364
+HK$2,171/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,386/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,985
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,259
−HK$1,296/mo
Today · 4.125%
HK$43,555
baseline
▲ 0.50% · 4.625%
HK$46,205
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,110/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,595
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,818
−HK$1,240/mo
Today · 4.125%
HK$48,058
baseline
▲ 0.50% · 4.625%
HK$50,592
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,116/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,694
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,334
−HK$1,665/mo
Today · 4.125%
HK$55,999
baseline
▲ 0.50% · 4.625%
HK$59,406
+HK$3,407/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,998/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,622
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,194
−HK$1,595/mo
Today · 4.125%
HK$61,789
baseline
▲ 0.50% · 4.625%
HK$65,046
+HK$3,257/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,578/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,438 · Scale 2, in force from 26 Feb 2026)