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$29,903
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$945/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,933/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$905/mo
Today · 4.125%
HK$35,064
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,128/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,883
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,999
−HK$1,134/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,920
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,990
−HK$1,086/mo
Today · 4.125%
HK$42,076
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,152/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,323/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,267/mo
Today · 4.125%
HK$49,089
baseline
▲ 0.50% · 4.625%
HK$51,677
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,178/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,825
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,499
−HK$1,701/mo
Today · 4.125%
HK$57,200
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,400/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,879
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,630/mo
Today · 4.125%
HK$63,115
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,326/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,230/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,764 · Scale 2, in force from 26 Feb 2026)