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$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$851/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,801
−HK$1,067/mo
Today · 4.125%
HK$35,868
baseline
▲ 0.50% · 4.625%
HK$38,050
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,736/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,548
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,555
−HK$1,021/mo
Today · 4.125%
HK$39,576
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,087/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,152/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,376
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,245/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,392
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,806
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,192/mo
Today · 4.125%
HK$46,173
baseline
▲ 0.50% · 4.625%
HK$48,606
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,346/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,627
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,600/mo
Today · 4.125%
HK$53,802
baseline
▲ 0.50% · 4.625%
HK$57,075
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,604/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,322
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,832
−HK$1,533/mo
Today · 4.125%
HK$59,365
baseline
▲ 0.50% · 4.625%
HK$62,494
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,730/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,547 · Scale 2, in force from 26 Feb 2026)