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$29,832
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$943/mo
Today · 4.125%
HK$31,703
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,406/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,078
−HK$903/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,798
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,912
−HK$1,131/mo
Today · 4.125%
HK$38,043
baseline
▲ 0.50% · 4.625%
HK$40,358
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,086/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,825
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,894
−HK$1,083/mo
Today · 4.125%
HK$41,977
baseline
▲ 0.50% · 4.625%
HK$44,190
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,954/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,064
−HK$1,320/mo
Today · 4.125%
HK$44,384
baseline
▲ 0.50% · 4.625%
HK$47,085
+HK$2,701/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,768/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,463
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,709
−HK$1,264/mo
Today · 4.125%
HK$48,973
baseline
▲ 0.50% · 4.625%
HK$51,555
+HK$2,582/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,946/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,698
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,368
−HK$1,697/mo
Today · 4.125%
HK$57,065
baseline
▲ 0.50% · 4.625%
HK$60,537
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,130/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,738
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,340
−HK$1,626/mo
Today · 4.125%
HK$62,966
baseline
▲ 0.50% · 4.625%
HK$66,285
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,932/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,604 · Scale 2, in force from 26 Feb 2026)