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$28,343
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$896/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,953
+HK$1,833/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$857/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$1,752/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$1,075/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,029/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$41,984
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,680
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,914
−HK$1,254/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,734
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,143
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,327
−HK$1,201/mo
Today · 4.125%
HK$46,528
baseline
▲ 0.50% · 4.625%
HK$48,981
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,056/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,017
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,604
−HK$1,612/mo
Today · 4.125%
HK$54,216
baseline
▲ 0.50% · 4.625%
HK$57,515
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,432/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,756
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,278
−HK$1,544/mo
Today · 4.125%
HK$59,822
baseline
▲ 0.50% · 4.625%
HK$62,975
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,644/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,111 · Scale 2, in force from 26 Feb 2026)