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$29,736
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$940/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,081
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$900/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,683
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$1,128/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,762
−HK$1,080/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,048
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,316/mo
Today · 4.125%
HK$44,241
baseline
▲ 0.50% · 4.625%
HK$46,933
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,482/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,314
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,556
−HK$1,260/mo
Today · 4.125%
HK$48,816
baseline
▲ 0.50% · 4.625%
HK$51,389
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,632/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,525
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,190
−HK$1,691/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$60,343
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,546
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,143
−HK$1,620/mo
Today · 4.125%
HK$62,763
baseline
▲ 0.50% · 4.625%
HK$66,071
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,526/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,026 · Scale 2, in force from 26 Feb 2026)