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$28,091
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$887/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,089
−HK$850/mo
Today · 4.125%
HK$32,939
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,878/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$1,065/mo
Today · 4.125%
HK$35,823
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,646/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,501
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,020/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,327
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,242/mo
Today · 4.125%
HK$41,793
baseline
▲ 0.50% · 4.625%
HK$44,336
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,586/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,751
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,190/mo
Today · 4.125%
HK$46,115
baseline
▲ 0.50% · 4.625%
HK$48,546
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,230/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,564
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,136
−HK$1,598/mo
Today · 4.125%
HK$53,734
baseline
▲ 0.50% · 4.625%
HK$57,004
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,468/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,251
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,760
−HK$1,531/mo
Today · 4.125%
HK$59,291
baseline
▲ 0.50% · 4.625%
HK$62,416
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,582/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,969 · Scale 2, in force from 26 Feb 2026)