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$28,441
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$899/mo
Today · 4.125%
HK$30,225
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,450/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$861/mo
Today · 4.125%
HK$33,350
baseline
▲ 0.50% · 4.625%
HK$35,108
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,700/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$1,079/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,969
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,033/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,259/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,205/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,194
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,787
−HK$1,617/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,953
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,480
−HK$1,550/mo
Today · 4.125%
HK$60,030
baseline
▲ 0.50% · 4.625%
HK$63,194
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,060/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,730 · Scale 2, in force from 26 Feb 2026)