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$29,675
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,598
−HK$938/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,918/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,072/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,898
−HK$898/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,717
−HK$1,126/mo
Today · 4.125%
HK$37,843
baseline
▲ 0.50% · 4.625%
HK$40,145
+HK$2,302/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,686/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,615
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,678
−HK$1,078/mo
Today · 4.125%
HK$41,756
baseline
▲ 0.50% · 4.625%
HK$43,957
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,512/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,837
−HK$1,313/mo
Today · 4.125%
HK$44,150
baseline
▲ 0.50% · 4.625%
HK$46,836
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,300/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,218
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,457
−HK$1,258/mo
Today · 4.125%
HK$48,715
baseline
▲ 0.50% · 4.625%
HK$51,283
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,430/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,414
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,076
−HK$1,688/mo
Today · 4.125%
HK$56,764
baseline
▲ 0.50% · 4.625%
HK$60,218
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,528/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,423
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,017
−HK$1,616/mo
Today · 4.125%
HK$62,633
baseline
▲ 0.50% · 4.625%
HK$65,935
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,266/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,016 · Scale 2, in force from 26 Feb 2026)