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$28,586
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$903/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,802
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,655
−HK$865/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,287
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$1,084/mo
Today · 4.125%
HK$36,455
baseline
▲ 0.50% · 4.625%
HK$38,673
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,910/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,162
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,186
−HK$1,038/mo
Today · 4.125%
HK$40,224
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,121/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,448/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,021
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,265/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,523
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,717
−HK$1,211/mo
Today · 4.125%
HK$46,928
baseline
▲ 0.50% · 4.625%
HK$49,402
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,856/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,455
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,056
−HK$1,626/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$58,009
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,244
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,557/mo
Today · 4.125%
HK$60,336
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,672/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,118 · Scale 2, in force from 26 Feb 2026)