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$29,169
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$921/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,885
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,451
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,321
−HK$883/mo
Today · 4.125%
HK$34,204
baseline
▲ 0.50% · 4.625%
HK$36,007
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,408/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,003
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$1,106/mo
Today · 4.125%
HK$37,198
baseline
▲ 0.50% · 4.625%
HK$39,462
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,396/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,941
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,985
−HK$1,059/mo
Today · 4.125%
HK$41,044
baseline
▲ 0.50% · 4.625%
HK$43,208
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,088/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,837
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,107
−HK$1,291/mo
Today · 4.125%
HK$43,398
baseline
▲ 0.50% · 4.625%
HK$46,038
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,796/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,431
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,649
−HK$1,236/mo
Today · 4.125%
HK$47,885
baseline
▲ 0.50% · 4.625%
HK$50,409
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,770/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,505
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,659/mo
Today · 4.125%
HK$55,797
baseline
▲ 0.50% · 4.625%
HK$59,192
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,594/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,411
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,977
−HK$1,590/mo
Today · 4.125%
HK$61,567
baseline
▲ 0.50% · 4.625%
HK$64,812
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,134/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,704 · Scale 2, in force from 26 Feb 2026)