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$28,877
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$913/mo
Today · 4.125%
HK$30,688
baseline
▲ 0.50% · 4.625%
HK$32,555
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,376/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,987
−HK$874/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,646
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,653
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,731
−HK$1,095/mo
Today · 4.125%
HK$36,826
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$2,240/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,652/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,551
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,585
−HK$1,049/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$42,775
+HK$2,141/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,428
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,686
−HK$1,277/mo
Today · 4.125%
HK$42,963
baseline
▲ 0.50% · 4.625%
HK$45,578
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,926/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,976
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,182
−HK$1,224/mo
Today · 4.125%
HK$47,406
baseline
▲ 0.50% · 4.625%
HK$49,905
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,812/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,979
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,596
−HK$1,643/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,600
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,826
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,377
−HK$1,573/mo
Today · 4.125%
HK$60,950
baseline
▲ 0.50% · 4.625%
HK$64,163
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,900/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,901 · Scale 2, in force from 26 Feb 2026)