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$29,096
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,001
−HK$920/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$881/mo
Today · 4.125%
HK$34,118
baseline
▲ 0.50% · 4.625%
HK$35,917
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,236/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,916
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,002
−HK$1,103/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$2,258/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,843
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,885
−HK$1,057/mo
Today · 4.125%
HK$40,942
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,884/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,735
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,002
−HK$1,287/mo
Today · 4.125%
HK$43,289
baseline
▲ 0.50% · 4.625%
HK$45,923
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,578/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,317
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,532
−HK$1,233/mo
Today · 4.125%
HK$47,765
baseline
▲ 0.50% · 4.625%
HK$50,283
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,530/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,373
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,002
−HK$1,656/mo
Today · 4.125%
HK$55,658
baseline
▲ 0.50% · 4.625%
HK$59,044
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,316/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,265
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,827
−HK$1,586/mo
Today · 4.125%
HK$61,413
baseline
▲ 0.50% · 4.625%
HK$64,650
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,826/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,504 · Scale 2, in force from 26 Feb 2026)