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$30,945
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,907
−HK$978/mo
Today · 4.125%
HK$32,885
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,770/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$936/mo
Today · 4.125%
HK$36,285
baseline
▲ 0.50% · 4.625%
HK$38,198
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,570/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,173/mo
Today · 4.125%
HK$39,462
baseline
▲ 0.50% · 4.625%
HK$41,863
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,924/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,311
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,124/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$45,838
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,322
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,670
−HK$1,369/mo
Today · 4.125%
HK$46,039
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,078/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,196
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,488
−HK$1,312/mo
Today · 4.125%
HK$50,800
baseline
▲ 0.50% · 4.625%
HK$53,477
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,600/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,700
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,433
−HK$1,760/mo
Today · 4.125%
HK$59,193
baseline
▲ 0.50% · 4.625%
HK$62,795
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,386/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,966
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,628
−HK$1,686/mo
Today · 4.125%
HK$65,314
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,628/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,900 · Scale 2, in force from 26 Feb 2026)