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$28,347
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$895/mo
Today · 4.125%
HK$30,124
baseline
▲ 0.50% · 4.625%
HK$31,957
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,248/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,536
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$858/mo
Today · 4.125%
HK$33,239
baseline
▲ 0.50% · 4.625%
HK$34,991
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,478/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,016
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,074
−HK$1,075/mo
Today · 4.125%
HK$36,149
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,298/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,843
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,029/mo
Today · 4.125%
HK$39,887
baseline
▲ 0.50% · 4.625%
HK$41,990
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,774/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,686
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,920
−HK$1,254/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,740
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,150
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,334
−HK$1,201/mo
Today · 4.125%
HK$46,535
baseline
▲ 0.50% · 4.625%
HK$48,988
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,070/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,024
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,611
−HK$1,613/mo
Today · 4.125%
HK$54,224
baseline
▲ 0.50% · 4.625%
HK$57,523
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,448/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,764
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,286
−HK$1,545/mo
Today · 4.125%
HK$59,831
baseline
▲ 0.50% · 4.625%
HK$62,985
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,662/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,178 · Scale 2, in force from 26 Feb 2026)