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$29,448
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,364
−HK$930/mo
Today · 4.125%
HK$31,294
baseline
▲ 0.50% · 4.625%
HK$33,199
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,588/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,639
−HK$891/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,350
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,436
−HK$1,117/mo
Today · 4.125%
HK$37,553
baseline
▲ 0.50% · 4.625%
HK$39,838
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,106/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,367
−HK$1,069/mo
Today · 4.125%
HK$41,436
baseline
▲ 0.50% · 4.625%
HK$43,620
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,872/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,227
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,509
−HK$1,303/mo
Today · 4.125%
HK$43,812
baseline
▲ 0.50% · 4.625%
HK$46,478
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,624/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,864
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,094
−HK$1,248/mo
Today · 4.125%
HK$48,342
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,549/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,684/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,006
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,655
−HK$1,675/mo
Today · 4.125%
HK$56,330
baseline
▲ 0.50% · 4.625%
HK$59,757
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,660/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,969
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,550
−HK$1,604/mo
Today · 4.125%
HK$62,154
baseline
▲ 0.50% · 4.625%
HK$65,431
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,308/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,283 · Scale 2, in force from 26 Feb 2026)