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$29,333
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$927/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,633
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,508
−HK$888/mo
Today · 4.125%
HK$34,396
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,792/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,200
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,295
−HK$1,113/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,684
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,066/mo
Today · 4.125%
HK$41,276
baseline
▲ 0.50% · 4.625%
HK$43,451
+HK$2,175/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,552/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,067
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,298/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$46,298
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,912
−HK$1,243/mo
Today · 4.125%
HK$48,155
baseline
▲ 0.50% · 4.625%
HK$50,693
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,310/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,800
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,443
−HK$1,668/mo
Today · 4.125%
HK$56,111
baseline
▲ 0.50% · 4.625%
HK$59,526
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,222/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,740
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,315
−HK$1,598/mo
Today · 4.125%
HK$61,913
baseline
▲ 0.50% · 4.625%
HK$65,177
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,826/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,405 · Scale 2, in force from 26 Feb 2026)