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$29,915
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$945/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,725
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,280
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$905/mo
Today · 4.125%
HK$35,078
baseline
▲ 0.50% · 4.625%
HK$36,927
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,156/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,898
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,015
−HK$1,134/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,470
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,936
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,087/mo
Today · 4.125%
HK$42,094
baseline
▲ 0.50% · 4.625%
HK$44,313
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,188/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,881
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,184
−HK$1,323/mo
Today · 4.125%
HK$44,507
baseline
▲ 0.50% · 4.625%
HK$47,216
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,014/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,592
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,842
−HK$1,268/mo
Today · 4.125%
HK$49,110
baseline
▲ 0.50% · 4.625%
HK$51,698
+HK$2,588/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,220/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,847
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,522
−HK$1,702/mo
Today · 4.125%
HK$57,224
baseline
▲ 0.50% · 4.625%
HK$60,706
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,448/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,904
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,511
−HK$1,630/mo
Today · 4.125%
HK$63,141
baseline
▲ 0.50% · 4.625%
HK$66,469
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,282/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,969 · Scale 2, in force from 26 Feb 2026)