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$29,859
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$944/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$904/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,831
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,945
−HK$1,133/mo
Today · 4.125%
HK$38,078
baseline
▲ 0.50% · 4.625%
HK$40,395
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,156/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,862
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,931
−HK$1,084/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,230
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,803
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,103
−HK$1,321/mo
Today · 4.125%
HK$44,424
baseline
▲ 0.50% · 4.625%
HK$47,127
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,848/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,505
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,752
−HK$1,266/mo
Today · 4.125%
HK$49,018
baseline
▲ 0.50% · 4.625%
HK$51,601
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,036/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,746
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,418
−HK$1,699/mo
Today · 4.125%
HK$57,117
baseline
▲ 0.50% · 4.625%
HK$60,592
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,234/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,792
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,396
−HK$1,627/mo
Today · 4.125%
HK$63,023
baseline
▲ 0.50% · 4.625%
HK$66,345
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,046/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,049 · Scale 2, in force from 26 Feb 2026)