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$28,725
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$908/mo
Today · 4.125%
HK$30,526
baseline
▲ 0.50% · 4.625%
HK$32,384
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,052/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,813
−HK$870/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$1,089/mo
Today · 4.125%
HK$36,631
baseline
▲ 0.50% · 4.625%
HK$38,860
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,262/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,347
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,376
−HK$1,043/mo
Today · 4.125%
HK$40,419
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,838/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,271/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$45,337
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,738
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,938
−HK$1,218/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$49,641
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,705
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,313
−HK$1,634/mo
Today · 4.125%
HK$54,947
baseline
▲ 0.50% · 4.625%
HK$58,290
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,894/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,521
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,064
−HK$1,565/mo
Today · 4.125%
HK$60,629
baseline
▲ 0.50% · 4.625%
HK$63,824
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,258/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,395 · Scale 2, in force from 26 Feb 2026)