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$29,047
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$918/mo
Today · 4.125%
HK$30,869
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,738/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,315
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$879/mo
Today · 4.125%
HK$34,061
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,122/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,941
−HK$1,102/mo
Today · 4.125%
HK$37,043
baseline
▲ 0.50% · 4.625%
HK$39,297
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,086/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,778
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,818
−HK$1,055/mo
Today · 4.125%
HK$40,873
baseline
▲ 0.50% · 4.625%
HK$43,028
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,746/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,666
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,931
−HK$1,286/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,846
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,241
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,454
−HK$1,231/mo
Today · 4.125%
HK$47,685
baseline
▲ 0.50% · 4.625%
HK$50,199
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,370/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,285
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,912
−HK$1,652/mo
Today · 4.125%
HK$55,564
baseline
▲ 0.50% · 4.625%
HK$58,945
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,128/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,167
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,727
−HK$1,583/mo
Today · 4.125%
HK$61,310
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,620/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,701 · Scale 2, in force from 26 Feb 2026)