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$29,389
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$929/mo
Today · 4.125%
HK$31,232
baseline
▲ 0.50% · 4.625%
HK$33,132
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,464/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,695
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$890/mo
Today · 4.125%
HK$34,461
baseline
▲ 0.50% · 4.625%
HK$36,277
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,922/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$1,115/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,758
+HK$2,280/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,286
−HK$1,067/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,533
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,144
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,300/mo
Today · 4.125%
HK$43,724
baseline
▲ 0.50% · 4.625%
HK$46,385
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,448/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,772
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,000
−HK$1,245/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,545
−HK$1,672/mo
Today · 4.125%
HK$56,217
baseline
▲ 0.50% · 4.625%
HK$59,638
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,434/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,429
−HK$1,601/mo
Today · 4.125%
HK$62,030
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,060/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,312 · Scale 2, in force from 26 Feb 2026)