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$29,370
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$928/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$33,111
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,550
−HK$889/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$1,114/mo
Today · 4.125%
HK$37,454
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,908/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,208
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,260
−HK$1,066/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,505
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,300/mo
Today · 4.125%
HK$43,696
baseline
▲ 0.50% · 4.625%
HK$46,355
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,392/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,743
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,244/mo
Today · 4.125%
HK$48,214
baseline
▲ 0.50% · 4.625%
HK$50,756
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,428/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,865
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,510
−HK$1,670/mo
Today · 4.125%
HK$56,180
baseline
▲ 0.50% · 4.625%
HK$59,599
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,360/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,812
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,389
−HK$1,601/mo
Today · 4.125%
HK$61,990
baseline
▲ 0.50% · 4.625%
HK$65,257
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,980/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,999 · Scale 2, in force from 26 Feb 2026)