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$28,774
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$910/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$871/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$1,091/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,927
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,444
−HK$1,045/mo
Today · 4.125%
HK$40,489
baseline
▲ 0.50% · 4.625%
HK$42,623
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,978/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,273/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,816
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,017
−HK$1,220/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$49,727
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,794
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,405
−HK$1,637/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,620
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,165
−HK$1,568/mo
Today · 4.125%
HK$60,733
baseline
▲ 0.50% · 4.625%
HK$63,934
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,466/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,209 · Scale 2, in force from 26 Feb 2026)