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$28,132
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$889/mo
Today · 4.125%
HK$29,896
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,792/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$851/mo
Today · 4.125%
HK$32,987
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,974/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,758
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$1,067/mo
Today · 4.125%
HK$35,875
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,750/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,556
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,563
−HK$1,022/mo
Today · 4.125%
HK$39,585
baseline
▲ 0.50% · 4.625%
HK$41,671
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,170/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,385
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,244/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,401
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,815
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,990
−HK$1,192/mo
Today · 4.125%
HK$46,182
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,364/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,637
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,212
−HK$1,601/mo
Today · 4.125%
HK$53,813
baseline
▲ 0.50% · 4.625%
HK$57,087
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,626/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,333
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,844
−HK$1,533/mo
Today · 4.125%
HK$59,377
baseline
▲ 0.50% · 4.625%
HK$62,507
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,754/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,643 · Scale 2, in force from 26 Feb 2026)