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$27,989
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$885/mo
Today · 4.125%
HK$29,744
baseline
▲ 0.50% · 4.625%
HK$31,554
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,488/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,137
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,972
−HK$847/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,549
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$1,062/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,365
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,016/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,184
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,238/mo
Today · 4.125%
HK$41,641
baseline
▲ 0.50% · 4.625%
HK$44,175
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,282/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,592
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,761
−HK$1,186/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,369
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,380
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,947
−HK$1,592/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,797
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,047
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,550
−HK$1,525/mo
Today · 4.125%
HK$59,075
baseline
▲ 0.50% · 4.625%
HK$62,189
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,150/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,289 · Scale 2, in force from 26 Feb 2026)