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$29,110
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$920/mo
Today · 4.125%
HK$30,935
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,870/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,384
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,253
−HK$881/mo
Today · 4.125%
HK$34,134
baseline
▲ 0.50% · 4.625%
HK$35,933
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,268/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$1,104/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,861
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,903
−HK$1,058/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,922/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,754
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,021
−HK$1,288/mo
Today · 4.125%
HK$43,309
baseline
▲ 0.50% · 4.625%
HK$45,944
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,618/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,338
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,554
−HK$1,233/mo
Today · 4.125%
HK$47,787
baseline
▲ 0.50% · 4.625%
HK$50,306
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,574/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,397
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,027
−HK$1,656/mo
Today · 4.125%
HK$55,683
baseline
▲ 0.50% · 4.625%
HK$59,071
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,366/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,292
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,855
−HK$1,586/mo
Today · 4.125%
HK$61,441
baseline
▲ 0.50% · 4.625%
HK$64,680
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,882/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,725 · Scale 2, in force from 26 Feb 2026)