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$29,288
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,200
−HK$925/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$33,019
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,583
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$887/mo
Today · 4.125%
HK$34,344
baseline
▲ 0.50% · 4.625%
HK$36,154
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,688/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$1,111/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,100
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,148
−HK$1,064/mo
Today · 4.125%
HK$41,212
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,424/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,279
−HK$1,296/mo
Today · 4.125%
HK$43,575
baseline
▲ 0.50% · 4.625%
HK$46,227
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,150/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,616
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,241/mo
Today · 4.125%
HK$48,081
baseline
▲ 0.50% · 4.625%
HK$50,615
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,162/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,719
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,359
−HK$1,666/mo
Today · 4.125%
HK$56,025
baseline
▲ 0.50% · 4.625%
HK$59,434
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,050/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,650
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,223
−HK$1,595/mo
Today · 4.125%
HK$61,818
baseline
▲ 0.50% · 4.625%
HK$65,077
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,636/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,665 · Scale 2, in force from 26 Feb 2026)