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$28,615
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$904/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,851/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$866/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,406
−HK$1,085/mo
Today · 4.125%
HK$36,491
baseline
▲ 0.50% · 4.625%
HK$38,712
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,982/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,201
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,225
−HK$1,040/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,061
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,266/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$45,164
+HK$2,591/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,567
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,763
−HK$1,212/mo
Today · 4.125%
HK$46,975
baseline
▲ 0.50% · 4.625%
HK$49,451
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,950/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,507
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,109
−HK$1,628/mo
Today · 4.125%
HK$54,737
baseline
▲ 0.50% · 4.625%
HK$58,068
+HK$3,331/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,474/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,301
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,838
−HK$1,559/mo
Today · 4.125%
HK$60,397
baseline
▲ 0.50% · 4.625%
HK$63,580
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,794/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,589 · Scale 2, in force from 26 Feb 2026)