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$29,302
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$926/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$33,035
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,598
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$887/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,171
+HK$1,811/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$1,112/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,641
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,118
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,167
−HK$1,065/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,023
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,299
−HK$1,297/mo
Today · 4.125%
HK$43,596
baseline
▲ 0.50% · 4.625%
HK$46,248
+HK$2,652/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,192/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,638
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,862
−HK$1,242/mo
Today · 4.125%
HK$48,104
baseline
▲ 0.50% · 4.625%
HK$50,639
+HK$2,535/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,208/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,744
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,385
−HK$1,667/mo
Today · 4.125%
HK$56,052
baseline
▲ 0.50% · 4.625%
HK$59,462
+HK$3,410/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,104/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,677
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,251
−HK$1,596/mo
Today · 4.125%
HK$61,847
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,260/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,694/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,892 · Scale 2, in force from 26 Feb 2026)