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$28,601
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$904/mo
Today · 4.125%
HK$30,395
baseline
▲ 0.50% · 4.625%
HK$32,244
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,790/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,819
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$866/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,322
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,389
−HK$1,085/mo
Today · 4.125%
HK$36,474
baseline
▲ 0.50% · 4.625%
HK$38,693
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,948/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,183
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,038/mo
Today · 4.125%
HK$40,245
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,490/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,042
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,287
−HK$1,266/mo
Today · 4.125%
HK$42,553
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,106/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,546
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,741
−HK$1,212/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,428
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,483
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,084
−HK$1,627/mo
Today · 4.125%
HK$54,711
baseline
▲ 0.50% · 4.625%
HK$58,040
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,422/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,274
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,810
−HK$1,558/mo
Today · 4.125%
HK$60,368
baseline
▲ 0.50% · 4.625%
HK$63,550
+HK$3,182/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,736/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,365 · Scale 2, in force from 26 Feb 2026)