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$29,784
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$941/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,578
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,135
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,023
−HK$902/mo
Today · 4.125%
HK$34,925
baseline
▲ 0.50% · 4.625%
HK$36,766
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,850/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,741
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$1,129/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$40,294
+HK$2,312/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,762
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,828
−HK$1,082/mo
Today · 4.125%
HK$41,910
baseline
▲ 0.50% · 4.625%
HK$44,119
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,820/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,698
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,995
−HK$1,318/mo
Today · 4.125%
HK$44,313
baseline
▲ 0.50% · 4.625%
HK$47,009
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,626/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,389
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,633
−HK$1,262/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,612
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,695/mo
Today · 4.125%
HK$56,974
baseline
▲ 0.50% · 4.625%
HK$60,440
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,948/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,643
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,623/mo
Today · 4.125%
HK$62,865
baseline
▲ 0.50% · 4.625%
HK$66,179
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,730/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,819 · Scale 2, in force from 26 Feb 2026)