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$28,220
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,098
−HK$892/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,395
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$854/mo
Today · 4.125%
HK$33,091
baseline
▲ 0.50% · 4.625%
HK$34,835
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,182/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,917
−HK$1,071/mo
Today · 4.125%
HK$35,988
baseline
▲ 0.50% · 4.625%
HK$38,177
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,976/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,673
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,025/mo
Today · 4.125%
HK$39,709
baseline
▲ 0.50% · 4.625%
HK$41,802
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,418/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,508
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,737
−HK$1,249/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,196/mo
Today · 4.125%
HK$46,327
baseline
▲ 0.50% · 4.625%
HK$48,769
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,654/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,796
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,376
−HK$1,606/mo
Today · 4.125%
HK$53,982
baseline
▲ 0.50% · 4.625%
HK$57,266
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,964/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,510
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,026
−HK$1,537/mo
Today · 4.125%
HK$59,563
baseline
▲ 0.50% · 4.625%
HK$62,703
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,126/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,095 · Scale 2, in force from 26 Feb 2026)