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$28,020
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$886/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,172
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,008
−HK$848/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,669
−HK$1,063/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,906
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,018/mo
Today · 4.125%
HK$39,427
baseline
▲ 0.50% · 4.625%
HK$41,505
+HK$2,078/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,854/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,239/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$44,224
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,811
−HK$1,187/mo
Today · 4.125%
HK$45,998
baseline
▲ 0.50% · 4.625%
HK$48,423
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,996/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,435
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,004
−HK$1,594/mo
Today · 4.125%
HK$53,598
baseline
▲ 0.50% · 4.625%
HK$56,859
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,196/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,109
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,614
−HK$1,526/mo
Today · 4.125%
HK$59,140
baseline
▲ 0.50% · 4.625%
HK$62,258
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,280/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,798 · Scale 2, in force from 26 Feb 2026)