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$29,947
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$946/mo
Today · 4.125%
HK$31,825
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,650/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,316
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$906/mo
Today · 4.125%
HK$35,116
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,232/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,937
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,055
−HK$1,135/mo
Today · 4.125%
HK$38,190
baseline
▲ 0.50% · 4.625%
HK$40,514
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,380/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,979
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,051
−HK$1,088/mo
Today · 4.125%
HK$42,139
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,278/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,926
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,230
−HK$1,325/mo
Today · 4.125%
HK$44,555
baseline
▲ 0.50% · 4.625%
HK$47,266
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,110/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,642
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,893
−HK$1,269/mo
Today · 4.125%
HK$49,162
baseline
▲ 0.50% · 4.625%
HK$51,754
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,324/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,905
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,582
−HK$1,703/mo
Today · 4.125%
HK$57,285
baseline
▲ 0.50% · 4.625%
HK$60,771
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,570/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,969
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,577
−HK$1,632/mo
Today · 4.125%
HK$63,209
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,418/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,499 · Scale 2, in force from 26 Feb 2026)