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$28,305
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$894/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,911
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,334
−HK$857/mo
Today · 4.125%
HK$33,191
baseline
▲ 0.50% · 4.625%
HK$34,940
+HK$1,749/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,382/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,967
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,023
−HK$1,074/mo
Today · 4.125%
HK$36,097
baseline
▲ 0.50% · 4.625%
HK$38,293
+HK$2,196/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,194/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,028/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$41,928
+HK$2,099/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,253/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,199/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,950
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,535
−HK$1,610/mo
Today · 4.125%
HK$54,145
baseline
▲ 0.50% · 4.625%
HK$57,439
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,290/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,681
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,201
−HK$1,543/mo
Today · 4.125%
HK$59,744
baseline
▲ 0.50% · 4.625%
HK$62,893
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,488/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,499 · Scale 2, in force from 26 Feb 2026)