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$28,459
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$899/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,660
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$861/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,129
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,740/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,150
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$1,079/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,500
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,992
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,034/mo
Today · 4.125%
HK$40,045
baseline
▲ 0.50% · 4.625%
HK$42,155
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,090/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,842
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,081
−HK$1,260/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,917
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,324
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,513
−HK$1,206/mo
Today · 4.125%
HK$46,719
baseline
▲ 0.50% · 4.625%
HK$49,181
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,438/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,226
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,819
−HK$1,619/mo
Today · 4.125%
HK$54,438
baseline
▲ 0.50% · 4.625%
HK$57,750
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,876/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,988
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,516
−HK$1,551/mo
Today · 4.125%
HK$60,067
baseline
▲ 0.50% · 4.625%
HK$63,233
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,134/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,018 · Scale 2, in force from 26 Feb 2026)