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$29,454
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,370
−HK$931/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$33,205
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,767
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$891/mo
Today · 4.125%
HK$34,537
baseline
▲ 0.50% · 4.625%
HK$36,358
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,074/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,345
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,444
−HK$1,117/mo
Today · 4.125%
HK$37,561
baseline
▲ 0.50% · 4.625%
HK$39,846
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,122/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,320
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,375
−HK$1,070/mo
Today · 4.125%
HK$41,445
baseline
▲ 0.50% · 4.625%
HK$43,629
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,890/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,235
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,518
−HK$1,303/mo
Today · 4.125%
HK$43,821
baseline
▲ 0.50% · 4.625%
HK$46,488
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,642/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,874
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,104
−HK$1,248/mo
Today · 4.125%
HK$48,352
baseline
▲ 0.50% · 4.625%
HK$50,901
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,704/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,017
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,666
−HK$1,675/mo
Today · 4.125%
HK$56,341
baseline
▲ 0.50% · 4.625%
HK$59,770
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,682/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,981
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,563
−HK$1,604/mo
Today · 4.125%
HK$62,167
baseline
▲ 0.50% · 4.625%
HK$65,444
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,334/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,384 · Scale 2, in force from 26 Feb 2026)