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$28,276
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,155
−HK$894/mo
Today · 4.125%
HK$30,049
baseline
▲ 0.50% · 4.625%
HK$31,877
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,098/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,456
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$856/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,986
−HK$1,072/mo
Today · 4.125%
HK$36,058
baseline
▲ 0.50% · 4.625%
HK$38,252
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,116/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,748
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,027/mo
Today · 4.125%
HK$39,787
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,574/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,586
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,817
−HK$1,251/mo
Today · 4.125%
HK$42,068
baseline
▲ 0.50% · 4.625%
HK$44,628
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,136/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,039
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,220
−HK$1,198/mo
Today · 4.125%
HK$46,418
baseline
▲ 0.50% · 4.625%
HK$48,865
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,836/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,896
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,479
−HK$1,609/mo
Today · 4.125%
HK$54,088
baseline
▲ 0.50% · 4.625%
HK$57,379
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,176/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,621
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,140
−HK$1,540/mo
Today · 4.125%
HK$59,680
baseline
▲ 0.50% · 4.625%
HK$62,826
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,360/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,007 · Scale 2, in force from 26 Feb 2026)