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$29,298
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,209
−HK$926/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,895/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$887/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,165
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,158
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$1,111/mo
Today · 4.125%
HK$37,362
baseline
▲ 0.50% · 4.625%
HK$39,636
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,724/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,065/mo
Today · 4.125%
HK$41,226
baseline
▲ 0.50% · 4.625%
HK$43,399
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,452/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,017
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,293
−HK$1,296/mo
Today · 4.125%
HK$43,589
baseline
▲ 0.50% · 4.625%
HK$46,242
+HK$2,653/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,178/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,631
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,855
−HK$1,241/mo
Today · 4.125%
HK$48,096
baseline
▲ 0.50% · 4.625%
HK$50,632
+HK$2,536/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,192/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,736
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,377
−HK$1,666/mo
Today · 4.125%
HK$56,043
baseline
▲ 0.50% · 4.625%
HK$59,453
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,086/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,669
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,596/mo
Today · 4.125%
HK$61,838
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,260/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,676/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,820 · Scale 2, in force from 26 Feb 2026)