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$28,442
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$899/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$32,065
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,490
−HK$861/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,130
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$1,079/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,033/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,131
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,819
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,057
−HK$1,259/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,298
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,486
−HK$1,205/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,196
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,788
−HK$1,618/mo
Today · 4.125%
HK$54,406
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,812/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,482
−HK$1,550/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,196
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,745 · Scale 2, in force from 26 Feb 2026)