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$28,446
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,331
−HK$899/mo
Today · 4.125%
HK$30,230
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,460/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,646
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$861/mo
Today · 4.125%
HK$33,356
baseline
▲ 0.50% · 4.625%
HK$35,114
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,712/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$1,079/mo
Today · 4.125%
HK$36,276
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,552/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,994
−HK$1,033/mo
Today · 4.125%
HK$40,027
baseline
▲ 0.50% · 4.625%
HK$42,137
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,054/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,825
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,063
−HK$1,259/mo
Today · 4.125%
HK$42,322
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,644/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,493
−HK$1,205/mo
Today · 4.125%
HK$46,698
baseline
▲ 0.50% · 4.625%
HK$49,160
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,396/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,203
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,796
−HK$1,618/mo
Today · 4.125%
HK$54,414
baseline
▲ 0.50% · 4.625%
HK$57,725
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,828/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,963
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,491
−HK$1,549/mo
Today · 4.125%
HK$60,040
baseline
▲ 0.50% · 4.625%
HK$63,205
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,080/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,812 · Scale 2, in force from 26 Feb 2026)