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$28,386
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$898/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$32,001
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,579
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$859/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,039
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,122
−HK$1,077/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,031/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,047
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,740
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,256/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,801
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,203/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,055
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,094
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,683
−HK$1,615/mo
Today · 4.125%
HK$54,298
baseline
▲ 0.50% · 4.625%
HK$57,602
+HK$3,304/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,596/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,841
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,366
−HK$1,546/mo
Today · 4.125%
HK$59,912
baseline
▲ 0.50% · 4.625%
HK$63,071
+HK$3,159/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,824/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,815 · Scale 2, in force from 26 Feb 2026)