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$29,026
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$917/mo
Today · 4.125%
HK$30,846
baseline
▲ 0.50% · 4.625%
HK$32,723
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,692/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,291
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,157
−HK$878/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$1,795/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,831
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$1,101/mo
Today · 4.125%
HK$37,015
baseline
▲ 0.50% · 4.625%
HK$39,267
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,030/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,749
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,055/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,636
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,900
−HK$1,284/mo
Today · 4.125%
HK$43,184
baseline
▲ 0.50% · 4.625%
HK$45,812
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,368/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,207
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,230/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,246
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,872
−HK$1,651/mo
Today · 4.125%
HK$55,523
baseline
▲ 0.50% · 4.625%
HK$58,901
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,046/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,124
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,682
−HK$1,582/mo
Today · 4.125%
HK$61,264
baseline
▲ 0.50% · 4.625%
HK$64,493
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,528/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,344 · Scale 2, in force from 26 Feb 2026)