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$28,113
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$889/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,694
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,114
−HK$851/mo
Today · 4.125%
HK$32,965
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,930/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$1,066/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,537
−HK$1,021/mo
Today · 4.125%
HK$39,558
baseline
▲ 0.50% · 4.625%
HK$41,643
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,116/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,358
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,244/mo
Today · 4.125%
HK$41,826
baseline
▲ 0.50% · 4.625%
HK$44,371
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,652/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,785
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,960
−HK$1,191/mo
Today · 4.125%
HK$46,151
baseline
▲ 0.50% · 4.625%
HK$48,583
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,302/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,603
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,599/mo
Today · 4.125%
HK$53,776
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,552/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,295
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,805
−HK$1,532/mo
Today · 4.125%
HK$59,337
baseline
▲ 0.50% · 4.625%
HK$62,464
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,674/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,330 · Scale 2, in force from 26 Feb 2026)