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$28,891
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$913/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,868/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$875/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,664
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,748
−HK$1,096/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$39,086
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,570
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,604
−HK$1,049/mo
Today · 4.125%
HK$40,653
baseline
▲ 0.50% · 4.625%
HK$42,796
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,306/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,448
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,278/mo
Today · 4.125%
HK$42,984
baseline
▲ 0.50% · 4.625%
HK$45,600
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,968/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,998
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,205
−HK$1,224/mo
Today · 4.125%
HK$47,429
baseline
▲ 0.50% · 4.625%
HK$49,929
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,858/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,004
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,644/mo
Today · 4.125%
HK$55,266
baseline
▲ 0.50% · 4.625%
HK$58,628
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,532/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,854
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,406
−HK$1,574/mo
Today · 4.125%
HK$60,980
baseline
▲ 0.50% · 4.625%
HK$64,194
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,960/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,134 · Scale 2, in force from 26 Feb 2026)