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$28,242
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$893/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$855/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$34,862
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,890
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,944
−HK$1,071/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$2,192/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,702
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,713
−HK$1,026/mo
Today · 4.125%
HK$39,739
baseline
▲ 0.50% · 4.625%
HK$41,834
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,478/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,538
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,768
−HK$1,250/mo
Today · 4.125%
HK$42,018
baseline
▲ 0.50% · 4.625%
HK$44,574
+HK$2,556/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,036/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,986
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,196/mo
Today · 4.125%
HK$46,362
baseline
▲ 0.50% · 4.625%
HK$48,806
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,724/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,835
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,607/mo
Today · 4.125%
HK$54,023
baseline
▲ 0.50% · 4.625%
HK$57,310
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,046/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,553
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,070
−HK$1,539/mo
Today · 4.125%
HK$59,609
baseline
▲ 0.50% · 4.625%
HK$62,751
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,218/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,448 · Scale 2, in force from 26 Feb 2026)