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$29,720
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$939/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,505
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,949
−HK$900/mo
Today · 4.125%
HK$34,849
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,698/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,663
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$1,127/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$40,206
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,675
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,739
−HK$1,080/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,023
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,607
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,315/mo
Today · 4.125%
HK$44,217
baseline
▲ 0.50% · 4.625%
HK$46,907
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,434/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,288
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,529
−HK$1,260/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,360
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,495
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,159
−HK$1,691/mo
Today · 4.125%
HK$56,850
baseline
▲ 0.50% · 4.625%
HK$60,309
+HK$3,459/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,700/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,513
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,109
−HK$1,619/mo
Today · 4.125%
HK$62,728
baseline
▲ 0.50% · 4.625%
HK$66,035
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,456/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,754 · Scale 2, in force from 26 Feb 2026)