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$29,267
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$925/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$886/mo
Today · 4.125%
HK$34,318
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,636/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,120
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,213
−HK$1,110/mo
Today · 4.125%
HK$37,323
baseline
▲ 0.50% · 4.625%
HK$39,594
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,646/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,071
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,119
−HK$1,063/mo
Today · 4.125%
HK$41,182
baseline
▲ 0.50% · 4.625%
HK$43,353
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,364/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,248
−HK$1,295/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,241/mo
Today · 4.125%
HK$48,046
baseline
▲ 0.50% · 4.625%
HK$50,578
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,092/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,681
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,319
−HK$1,665/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$59,391
+HK$3,407/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,607
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,178
−HK$1,595/mo
Today · 4.125%
HK$61,773
baseline
▲ 0.50% · 4.625%
HK$65,029
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,546/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,312 · Scale 2, in force from 26 Feb 2026)