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$28,597
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$904/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$32,239
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$865/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,300
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,316
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$1,085/mo
Today · 4.125%
HK$36,468
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,936/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,176
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,200
−HK$1,039/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,035
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,265/mo
Today · 4.125%
HK$42,546
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,092/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,539
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,212/mo
Today · 4.125%
HK$46,945
baseline
▲ 0.50% · 4.625%
HK$49,420
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,890/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,474
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,075
−HK$1,627/mo
Today · 4.125%
HK$54,702
baseline
▲ 0.50% · 4.625%
HK$58,030
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,404/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,800
−HK$1,558/mo
Today · 4.125%
HK$60,358
baseline
▲ 0.50% · 4.625%
HK$63,540
+HK$3,182/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,716/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,288 · Scale 2, in force from 26 Feb 2026)