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$29,883
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$945/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,689
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,244
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,136
−HK$904/mo
Today · 4.125%
HK$35,040
baseline
▲ 0.50% · 4.625%
HK$36,887
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,080/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,859
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,975
−HK$1,133/mo
Today · 4.125%
HK$38,108
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,216/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,893
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,963
−HK$1,085/mo
Today · 4.125%
HK$42,048
baseline
▲ 0.50% · 4.625%
HK$44,265
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,096/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,836
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,322/mo
Today · 4.125%
HK$44,459
baseline
▲ 0.50% · 4.625%
HK$47,164
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,918/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,542
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,266/mo
Today · 4.125%
HK$49,056
baseline
▲ 0.50% · 4.625%
HK$51,642
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,112/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,789
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,462
−HK$1,700/mo
Today · 4.125%
HK$57,162
baseline
▲ 0.50% · 4.625%
HK$60,640
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,324/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,840
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,444
−HK$1,628/mo
Today · 4.125%
HK$63,072
baseline
▲ 0.50% · 4.625%
HK$66,397
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,144/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,437 · Scale 2, in force from 26 Feb 2026)