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$28,397
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$897/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$32,014
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$860/mo
Today · 4.125%
HK$33,298
baseline
▲ 0.50% · 4.625%
HK$35,053
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,596/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,076
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$1,077/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,031/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,755
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,992
−HK$1,256/mo
Today · 4.125%
HK$42,248
baseline
▲ 0.50% · 4.625%
HK$44,819
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,496/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,227
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,413
−HK$1,204/mo
Today · 4.125%
HK$46,617
baseline
▲ 0.50% · 4.625%
HK$49,074
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,234/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,114
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,704
−HK$1,615/mo
Today · 4.125%
HK$54,319
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,638/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,864
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,389
−HK$1,547/mo
Today · 4.125%
HK$59,936
baseline
▲ 0.50% · 4.625%
HK$63,095
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,872/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,997 · Scale 2, in force from 26 Feb 2026)