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$28,063
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$887/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$849/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,641
+HK$1,735/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,676
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$1,064/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,965
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,464
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,020/mo
Today · 4.125%
HK$39,488
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,976/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,288
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,242/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$44,292
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,189/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,497
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,513
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,085
−HK$1,596/mo
Today · 4.125%
HK$53,681
baseline
▲ 0.50% · 4.625%
HK$56,947
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,362/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,196
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,703
−HK$1,529/mo
Today · 4.125%
HK$59,232
baseline
▲ 0.50% · 4.625%
HK$62,354
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,464/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,510 · Scale 2, in force from 26 Feb 2026)