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$29,352
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$928/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$888/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,233
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,318
−HK$1,113/mo
Today · 4.125%
HK$37,431
baseline
▲ 0.50% · 4.625%
HK$39,709
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,862/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,185
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,066/mo
Today · 4.125%
HK$41,302
baseline
▲ 0.50% · 4.625%
HK$43,479
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,604/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,093
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,371
−HK$1,299/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,942
−HK$1,244/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$50,726
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,834
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,477
−HK$1,670/mo
Today · 4.125%
HK$56,147
baseline
▲ 0.50% · 4.625%
HK$59,564
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,294/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,777
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,354
−HK$1,599/mo
Today · 4.125%
HK$61,953
baseline
▲ 0.50% · 4.625%
HK$65,219
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,906/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,713 · Scale 2, in force from 26 Feb 2026)