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$28,750
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$908/mo
Today · 4.125%
HK$30,553
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,106/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,842
−HK$870/mo
Today · 4.125%
HK$33,712
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,424/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,500
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$1,091/mo
Today · 4.125%
HK$36,664
baseline
▲ 0.50% · 4.625%
HK$38,895
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,328/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,381
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,411
−HK$1,044/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,587
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,250
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,502
−HK$1,272/mo
Today · 4.125%
HK$42,774
baseline
▲ 0.50% · 4.625%
HK$45,377
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,548/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,778
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,979
−HK$1,218/mo
Today · 4.125%
HK$47,197
baseline
▲ 0.50% · 4.625%
HK$49,685
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,394/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,750
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,636/mo
Today · 4.125%
HK$54,996
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,992/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,572
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,566/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,813 · Scale 2, in force from 26 Feb 2026)