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$28,822
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$911/mo
Today · 4.125%
HK$30,629
baseline
▲ 0.50% · 4.625%
HK$32,493
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,258/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,064
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,924
−HK$872/mo
Today · 4.125%
HK$33,796
baseline
▲ 0.50% · 4.625%
HK$35,577
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,592/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$1,093/mo
Today · 4.125%
HK$36,755
baseline
▲ 0.50% · 4.625%
HK$38,991
+HK$2,236/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,510/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,477
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,047/mo
Today · 4.125%
HK$40,555
baseline
▲ 0.50% · 4.625%
HK$42,693
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,110/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,350
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,605
−HK$1,276/mo
Today · 4.125%
HK$42,881
baseline
▲ 0.50% · 4.625%
HK$45,490
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,762/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,889
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,093
−HK$1,221/mo
Today · 4.125%
HK$47,314
baseline
▲ 0.50% · 4.625%
HK$49,808
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,628/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,879
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,493
−HK$1,639/mo
Today · 4.125%
HK$55,132
baseline
▲ 0.50% · 4.625%
HK$58,487
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,264/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,715
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,263
−HK$1,570/mo
Today · 4.125%
HK$60,833
baseline
▲ 0.50% · 4.625%
HK$64,039
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,666/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,987 · Scale 2, in force from 26 Feb 2026)