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$29,952
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$947/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,767
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$907/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,942
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$1,136/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,520
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,057
−HK$1,088/mo
Today · 4.125%
HK$42,145
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,222/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,290/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,932
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,326/mo
Today · 4.125%
HK$44,562
baseline
▲ 0.50% · 4.625%
HK$47,273
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,124/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,649
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,900
−HK$1,269/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,913
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,590
−HK$1,704/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,780
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,977
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,586
−HK$1,632/mo
Today · 4.125%
HK$63,218
baseline
▲ 0.50% · 4.625%
HK$66,550
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,436/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,569 · Scale 2, in force from 26 Feb 2026)