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$29,186
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,094
−HK$922/mo
Today · 4.125%
HK$31,016
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,032/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,469
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,340
−HK$883/mo
Today · 4.125%
HK$34,223
baseline
▲ 0.50% · 4.625%
HK$36,027
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,446/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,023
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,113
−HK$1,106/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,963
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,008
−HK$1,060/mo
Today · 4.125%
HK$41,068
baseline
▲ 0.50% · 4.625%
HK$43,233
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,136/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,860
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,131
−HK$1,292/mo
Today · 4.125%
HK$43,423
baseline
▲ 0.50% · 4.625%
HK$46,065
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,846/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,457
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,676
−HK$1,237/mo
Today · 4.125%
HK$47,913
baseline
▲ 0.50% · 4.625%
HK$50,438
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,826/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,535
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,169
−HK$1,660/mo
Today · 4.125%
HK$55,829
baseline
▲ 0.50% · 4.625%
HK$59,226
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,658/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,444
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,012
−HK$1,590/mo
Today · 4.125%
HK$61,602
baseline
▲ 0.50% · 4.625%
HK$64,849
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,204/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,979 · Scale 2, in force from 26 Feb 2026)