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$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$914/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$876/mo
Today · 4.125%
HK$33,917
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,834/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$1,097/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,614
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,649
−HK$1,051/mo
Today · 4.125%
HK$40,700
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,400/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,494
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,754
−HK$1,279/mo
Today · 4.125%
HK$43,033
baseline
▲ 0.50% · 4.625%
HK$45,652
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,066/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,049
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,258
−HK$1,225/mo
Today · 4.125%
HK$47,483
baseline
▲ 0.50% · 4.625%
HK$49,986
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,966/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,064
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,646/mo
Today · 4.125%
HK$55,329
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,658/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,921
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,474
−HK$1,576/mo
Today · 4.125%
HK$61,050
baseline
▲ 0.50% · 4.625%
HK$64,268
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,100/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,677 · Scale 2, in force from 26 Feb 2026)