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$29,919
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$946/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,730
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$906/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$1,135/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,475
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,087/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,318
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,324/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,708/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,268/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,588/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,854
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,529
−HK$1,702/mo
Today · 4.125%
HK$57,231
baseline
▲ 0.50% · 4.625%
HK$60,713
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,462/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,912
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,631/mo
Today · 4.125%
HK$63,149
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,298/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,029 · Scale 2, in force from 26 Feb 2026)