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$28,316
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$895/mo
Today · 4.125%
HK$30,092
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,184/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,346
−HK$857/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$34,953
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$1,074/mo
Today · 4.125%
HK$36,110
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,220/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,029/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$41,944
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,642
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,875
−HK$1,253/mo
Today · 4.125%
HK$42,128
baseline
▲ 0.50% · 4.625%
HK$44,692
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,256/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,102
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,200/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$48,935
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,969
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,554
−HK$1,611/mo
Today · 4.125%
HK$54,165
baseline
▲ 0.50% · 4.625%
HK$57,461
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,330/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,702
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,223
−HK$1,543/mo
Today · 4.125%
HK$59,766
baseline
▲ 0.50% · 4.625%
HK$62,916
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,532/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,671 · Scale 2, in force from 26 Feb 2026)