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$28,984
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,886
−HK$916/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$878/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,781
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,863
−HK$1,099/mo
Today · 4.125%
HK$36,962
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,924/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,694
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,053/mo
Today · 4.125%
HK$40,784
baseline
▲ 0.50% · 4.625%
HK$42,934
+HK$2,150/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,568/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,578
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,840
−HK$1,283/mo
Today · 4.125%
HK$43,123
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,246/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,143
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,353
−HK$1,228/mo
Today · 4.125%
HK$47,581
baseline
▲ 0.50% · 4.625%
HK$50,090
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,162/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,172
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,794
−HK$1,649/mo
Today · 4.125%
HK$55,443
baseline
▲ 0.50% · 4.625%
HK$58,817
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,886/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,040
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,597
−HK$1,579/mo
Today · 4.125%
HK$61,176
baseline
▲ 0.50% · 4.625%
HK$64,401
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,352/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,661 · Scale 2, in force from 26 Feb 2026)