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$29,444
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$930/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$33,194
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,756
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$891/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$1,116/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,307
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,361
−HK$1,070/mo
Today · 4.125%
HK$41,431
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,862/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,221
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,504
−HK$1,302/mo
Today · 4.125%
HK$43,806
baseline
▲ 0.50% · 4.625%
HK$46,472
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,612/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,858
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,088
−HK$1,248/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$50,884
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,999
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,648
−HK$1,675/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,750
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,961
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,542
−HK$1,604/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,422
+HK$3,276/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,221 · Scale 2, in force from 26 Feb 2026)