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$28,457
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$899/mo
Today · 4.125%
HK$30,241
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,482/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,658
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$861/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,127
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,148
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$1,080/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,498
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,034/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,153
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,079
−HK$1,259/mo
Today · 4.125%
HK$42,338
baseline
▲ 0.50% · 4.625%
HK$44,914
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,676/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,321
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,510
−HK$1,206/mo
Today · 4.125%
HK$46,716
baseline
▲ 0.50% · 4.625%
HK$49,178
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,432/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,222
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,816
−HK$1,619/mo
Today · 4.125%
HK$54,435
baseline
▲ 0.50% · 4.625%
HK$57,747
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,870/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,984
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,513
−HK$1,550/mo
Today · 4.125%
HK$60,063
baseline
▲ 0.50% · 4.625%
HK$63,229
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,126/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,989 · Scale 2, in force from 26 Feb 2026)