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$28,398
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$897/mo
Today · 4.125%
HK$30,179
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,358/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,593
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,440
−HK$860/mo
Today · 4.125%
HK$33,300
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,600/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,078
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$1,077/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,032/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,758
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,256/mo
Today · 4.125%
HK$42,251
baseline
▲ 0.50% · 4.625%
HK$44,822
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,502/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,416
−HK$1,204/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,077
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,117
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,707
−HK$1,616/mo
Today · 4.125%
HK$54,323
baseline
▲ 0.50% · 4.625%
HK$57,628
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,646/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,867
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,393
−HK$1,547/mo
Today · 4.125%
HK$59,940
baseline
▲ 0.50% · 4.625%
HK$63,099
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,880/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,028 · Scale 2, in force from 26 Feb 2026)