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$28,225
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$892/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$854/mo
Today · 4.125%
HK$33,096
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,192/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,923
−HK$1,070/mo
Today · 4.125%
HK$35,993
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,986/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,680
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,690
−HK$1,025/mo
Today · 4.125%
HK$39,715
baseline
▲ 0.50% · 4.625%
HK$41,809
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,430/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,514
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,744
−HK$1,248/mo
Today · 4.125%
HK$41,992
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,984/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,959
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,138
−HK$1,196/mo
Today · 4.125%
HK$46,334
baseline
▲ 0.50% · 4.625%
HK$48,777
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,668/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,804
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,385
−HK$1,605/mo
Today · 4.125%
HK$53,990
baseline
▲ 0.50% · 4.625%
HK$57,275
+HK$3,285/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,980/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,519
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,035
−HK$1,538/mo
Today · 4.125%
HK$59,573
baseline
▲ 0.50% · 4.625%
HK$62,713
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,146/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,169 · Scale 2, in force from 26 Feb 2026)