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$29,816
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$943/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,170
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$903/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,779
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,892
−HK$1,131/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,336
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,046/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,804
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,871
−HK$1,083/mo
Today · 4.125%
HK$41,954
baseline
▲ 0.50% · 4.625%
HK$44,166
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,908/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,742
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,041
−HK$1,319/mo
Today · 4.125%
HK$44,360
baseline
▲ 0.50% · 4.625%
HK$47,059
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,720/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,438
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,264/mo
Today · 4.125%
HK$48,947
baseline
▲ 0.50% · 4.625%
HK$51,527
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,894/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,669
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,338
−HK$1,696/mo
Today · 4.125%
HK$57,034
baseline
▲ 0.50% · 4.625%
HK$60,505
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,068/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,706
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,307
−HK$1,625/mo
Today · 4.125%
HK$62,932
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,864/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,338 · Scale 2, in force from 26 Feb 2026)