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$28,740
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$908/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$870/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,488
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,560
−HK$1,090/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,367
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,044/mo
Today · 4.125%
HK$40,440
baseline
▲ 0.50% · 4.625%
HK$42,572
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,880/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,236
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,487
−HK$1,272/mo
Today · 4.125%
HK$42,759
baseline
▲ 0.50% · 4.625%
HK$45,360
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,518/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,762
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,218/mo
Today · 4.125%
HK$47,180
baseline
▲ 0.50% · 4.625%
HK$49,667
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,360/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,731
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,634/mo
Today · 4.125%
HK$54,975
baseline
▲ 0.50% · 4.625%
HK$58,321
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,950/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,551
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,094
−HK$1,566/mo
Today · 4.125%
HK$60,660
baseline
▲ 0.50% · 4.625%
HK$63,857
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,320/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,639 · Scale 2, in force from 26 Feb 2026)