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$28,427
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$898/mo
Today · 4.125%
HK$30,209
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,839/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,418/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,624
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$860/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$1,078/mo
Today · 4.125%
HK$36,251
baseline
▲ 0.50% · 4.625%
HK$38,457
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,502/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,967
−HK$1,033/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,797
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,035
−HK$1,258/mo
Today · 4.125%
HK$42,293
baseline
▲ 0.50% · 4.625%
HK$44,867
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,586/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,274
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,462
−HK$1,204/mo
Today · 4.125%
HK$46,666
baseline
▲ 0.50% · 4.625%
HK$49,126
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,332/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,168
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,617/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,686
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,924
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,549/mo
Today · 4.125%
HK$60,000
baseline
▲ 0.50% · 4.625%
HK$63,162
+HK$3,162/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,000/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,493 · Scale 2, in force from 26 Feb 2026)