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$29,818
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$942/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,616
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,173
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,062
−HK$903/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$36,808
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,782
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$1,131/mo
Today · 4.125%
HK$38,026
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,052/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,807
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,875
−HK$1,083/mo
Today · 4.125%
HK$41,958
baseline
▲ 0.50% · 4.625%
HK$44,169
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,916/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,746
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,319/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,442
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,264/mo
Today · 4.125%
HK$48,951
baseline
▲ 0.50% · 4.625%
HK$51,531
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,902/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,673
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,696/mo
Today · 4.125%
HK$57,039
baseline
▲ 0.50% · 4.625%
HK$60,509
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,078/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,711
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,312
−HK$1,625/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,254
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,378 · Scale 2, in force from 26 Feb 2026)