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$28,800
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$911/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,469
+HK$1,862/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,040
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$871/mo
Today · 4.125%
HK$33,771
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$1,780/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,542/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,636
−HK$1,092/mo
Today · 4.125%
HK$36,728
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,456/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,479
−HK$1,047/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,662
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,321
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,274/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,059
−HK$1,221/mo
Today · 4.125%
HK$47,280
baseline
▲ 0.50% · 4.625%
HK$49,772
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,560/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,841
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,453
−HK$1,639/mo
Today · 4.125%
HK$55,092
baseline
▲ 0.50% · 4.625%
HK$58,444
+HK$3,352/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,184/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,672
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,219
−HK$1,569/mo
Today · 4.125%
HK$60,788
baseline
▲ 0.50% · 4.625%
HK$63,993
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,576/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,640 · Scale 2, in force from 26 Feb 2026)