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$29,517
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,435
−HK$933/mo
Today · 4.125%
HK$31,368
baseline
▲ 0.50% · 4.625%
HK$33,277
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,736/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,718
−HK$894/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,436
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,421
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$1,120/mo
Today · 4.125%
HK$37,642
baseline
▲ 0.50% · 4.625%
HK$39,932
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,284/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,405
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,462
−HK$1,072/mo
Today · 4.125%
HK$41,534
baseline
▲ 0.50% · 4.625%
HK$43,723
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,068/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,324
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,610
−HK$1,305/mo
Today · 4.125%
HK$43,915
baseline
▲ 0.50% · 4.625%
HK$46,588
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,830/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,973
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,206
−HK$1,250/mo
Today · 4.125%
HK$48,456
baseline
▲ 0.50% · 4.625%
HK$51,011
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,912/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,131
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,784
−HK$1,679/mo
Today · 4.125%
HK$56,463
baseline
▲ 0.50% · 4.625%
HK$59,898
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,926/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,108
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,693
−HK$1,608/mo
Today · 4.125%
HK$62,301
baseline
▲ 0.50% · 4.625%
HK$65,585
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,602/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,426 · Scale 2, in force from 26 Feb 2026)