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$29,202
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$923/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,487
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,358
−HK$884/mo
Today · 4.125%
HK$34,242
baseline
▲ 0.50% · 4.625%
HK$36,047
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,484/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$1,108/mo
Today · 4.125%
HK$37,240
baseline
▲ 0.50% · 4.625%
HK$39,506
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,480/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,984
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,030
−HK$1,060/mo
Today · 4.125%
HK$41,090
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,180/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,882
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,292/mo
Today · 4.125%
HK$43,446
baseline
▲ 0.50% · 4.625%
HK$46,090
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,892/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,481
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,701
−HK$1,238/mo
Today · 4.125%
HK$47,939
baseline
▲ 0.50% · 4.625%
HK$50,465
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,878/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,563
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,661/mo
Today · 4.125%
HK$55,859
baseline
▲ 0.50% · 4.625%
HK$59,258
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,718/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,476
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,044
−HK$1,591/mo
Today · 4.125%
HK$61,635
baseline
▲ 0.50% · 4.625%
HK$64,884
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,270/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,239 · Scale 2, in force from 26 Feb 2026)