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$29,573
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$935/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,340
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$895/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,506
+HK$1,828/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,488
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$1,122/mo
Today · 4.125%
HK$37,714
baseline
▲ 0.50% · 4.625%
HK$40,008
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,428/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,480
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,539
−HK$1,074/mo
Today · 4.125%
HK$41,613
baseline
▲ 0.50% · 4.625%
HK$43,807
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,226/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,403
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,691
−HK$1,308/mo
Today · 4.125%
HK$43,999
baseline
▲ 0.50% · 4.625%
HK$46,676
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,998/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,060
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,296
−HK$1,253/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,108
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,232
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,888
−HK$1,682/mo
Today · 4.125%
HK$56,570
baseline
▲ 0.50% · 4.625%
HK$60,013
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,140/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,220
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,809
−HK$1,611/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$65,710
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,352 · Scale 2, in force from 26 Feb 2026)