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$28,957
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$915/mo
Today · 4.125%
HK$30,773
baseline
▲ 0.50% · 4.625%
HK$32,646
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,546/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$876/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$35,745
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,749
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$1,098/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,694
−HK$1,052/mo
Today · 4.125%
HK$40,746
baseline
▲ 0.50% · 4.625%
HK$42,894
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,492/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,801
−HK$1,282/mo
Today · 4.125%
HK$43,083
baseline
▲ 0.50% · 4.625%
HK$45,704
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,166/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,101
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,310
−HK$1,227/mo
Today · 4.125%
HK$47,537
baseline
▲ 0.50% · 4.625%
HK$50,043
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,074/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,123
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,647/mo
Today · 4.125%
HK$55,392
baseline
▲ 0.50% · 4.625%
HK$58,762
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,784/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,987
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,542
−HK$1,577/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,341
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,219 · Scale 2, in force from 26 Feb 2026)