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$28,991
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$916/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,253
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,118
−HK$877/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$1,099/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,703
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,053/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,588
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,283/mo
Today · 4.125%
HK$43,133
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,625/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,266/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,154
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,365
−HK$1,228/mo
Today · 4.125%
HK$47,593
baseline
▲ 0.50% · 4.625%
HK$50,102
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,186/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,185
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,649/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,831
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,612
−HK$1,579/mo
Today · 4.125%
HK$61,191
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,382/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,779 · Scale 2, in force from 26 Feb 2026)