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$28,691
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$907/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$868/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,501
−HK$1,088/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,815
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,303
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,042/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,500
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,168
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,269/mo
Today · 4.125%
HK$42,687
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,374/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,687
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,885
−HK$1,216/mo
Today · 4.125%
HK$47,101
baseline
▲ 0.50% · 4.625%
HK$49,584
+HK$2,483/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,202/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,645
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,251
−HK$1,632/mo
Today · 4.125%
HK$54,883
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$3,340/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,766/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,454
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,995
−HK$1,563/mo
Today · 4.125%
HK$60,558
baseline
▲ 0.50% · 4.625%
HK$63,750
+HK$3,192/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,116/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,847 · Scale 2, in force from 26 Feb 2026)