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$28,386
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$897/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,836/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,579
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$859/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,040
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,123
−HK$1,076/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,402
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,895
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,032/mo
Today · 4.125%
HK$39,943
baseline
▲ 0.50% · 4.625%
HK$42,048
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,886/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,741
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,977
−HK$1,256/mo
Today · 4.125%
HK$42,233
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,466/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,397
−HK$1,203/mo
Today · 4.125%
HK$46,600
baseline
▲ 0.50% · 4.625%
HK$49,056
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,200/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,095
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,684
−HK$1,615/mo
Today · 4.125%
HK$54,299
baseline
▲ 0.50% · 4.625%
HK$57,603
+HK$3,304/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,598/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,843
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,367
−HK$1,547/mo
Today · 4.125%
HK$59,914
baseline
▲ 0.50% · 4.625%
HK$63,072
+HK$3,158/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,828/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,825 · Scale 2, in force from 26 Feb 2026)