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$28,243
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$892/mo
Today · 4.125%
HK$30,014
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,827/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,028/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,420
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,263
−HK$855/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$34,863
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,946
−HK$1,071/mo
Today · 4.125%
HK$36,017
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$2,192/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,034/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,026/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,250/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,197/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,838
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,419
−HK$1,607/mo
Today · 4.125%
HK$54,026
baseline
▲ 0.50% · 4.625%
HK$57,313
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,052/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,556
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,073
−HK$1,539/mo
Today · 4.125%
HK$59,612
baseline
▲ 0.50% · 4.625%
HK$62,754
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,224/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,474 · Scale 2, in force from 26 Feb 2026)