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$28,990
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$917/mo
Today · 4.125%
HK$30,808
baseline
▲ 0.50% · 4.625%
HK$32,682
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,616/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,116
−HK$877/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$35,785
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$1,099/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,053/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$42,942
+HK$2,150/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,586
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,283/mo
Today · 4.125%
HK$43,131
baseline
▲ 0.50% · 4.625%
HK$45,755
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,262/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,151
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,362
−HK$1,228/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,099
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,182
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,805
−HK$1,649/mo
Today · 4.125%
HK$55,454
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,908/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,051
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,608
−HK$1,580/mo
Today · 4.125%
HK$61,188
baseline
▲ 0.50% · 4.625%
HK$64,413
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,376/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,752 · Scale 2, in force from 26 Feb 2026)