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$29,082
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,221
−HK$880/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$35,899
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,898
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$1,103/mo
Today · 4.125%
HK$37,087
baseline
▲ 0.50% · 4.625%
HK$39,343
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,174/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,865
−HK$1,056/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,078
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,714
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,287/mo
Today · 4.125%
HK$43,268
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,536/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,294
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,509
−HK$1,233/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,258
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,347
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,655/mo
Today · 4.125%
HK$55,630
baseline
▲ 0.50% · 4.625%
HK$59,015
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,260/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,236
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,798
−HK$1,584/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$64,618
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,265 · Scale 2, in force from 26 Feb 2026)