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$28,676
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$906/mo
Today · 4.125%
HK$30,474
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,948/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,758
−HK$867/mo
Today · 4.125%
HK$33,625
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,250/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,411
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$1,087/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,309
−HK$1,042/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,477
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,147
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,395
−HK$1,269/mo
Today · 4.125%
HK$42,664
baseline
▲ 0.50% · 4.625%
HK$45,260
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,328/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,663
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,861
−HK$1,215/mo
Today · 4.125%
HK$47,076
baseline
▲ 0.50% · 4.625%
HK$49,557
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,152/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,617
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,223
−HK$1,631/mo
Today · 4.125%
HK$54,854
baseline
▲ 0.50% · 4.625%
HK$58,192
+HK$3,338/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,708/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,423
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,964
−HK$1,562/mo
Today · 4.125%
HK$60,526
baseline
▲ 0.50% · 4.625%
HK$63,716
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,052/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,594 · Scale 2, in force from 26 Feb 2026)