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$28,261
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$893/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,440
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$856/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,913
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$1,072/mo
Today · 4.125%
HK$36,040
baseline
▲ 0.50% · 4.625%
HK$38,233
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,080/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,740
−HK$1,027/mo
Today · 4.125%
HK$39,767
baseline
▲ 0.50% · 4.625%
HK$41,863
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,534/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,251/mo
Today · 4.125%
HK$42,047
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,094/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,016
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,197/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,870
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,452
−HK$1,608/mo
Today · 4.125%
HK$54,060
baseline
▲ 0.50% · 4.625%
HK$57,349
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,120/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,592
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,540/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$62,794
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,769 · Scale 2, in force from 26 Feb 2026)