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$29,806
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,733
−HK$942/mo
Today · 4.125%
HK$31,675
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,350/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,159
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$902/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$36,793
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,880
−HK$1,130/mo
Today · 4.125%
HK$38,010
baseline
▲ 0.50% · 4.625%
HK$40,323
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,020/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,791
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,858
−HK$1,082/mo
Today · 4.125%
HK$41,940
baseline
▲ 0.50% · 4.625%
HK$44,151
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,880/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,728
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,026
−HK$1,319/mo
Today · 4.125%
HK$44,345
baseline
▲ 0.50% · 4.625%
HK$47,043
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,690/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,422
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,667
−HK$1,263/mo
Today · 4.125%
HK$48,930
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,860/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,651
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,320
−HK$1,695/mo
Today · 4.125%
HK$57,015
baseline
▲ 0.50% · 4.625%
HK$60,484
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,030/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,686
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,287
−HK$1,624/mo
Today · 4.125%
HK$62,911
baseline
▲ 0.50% · 4.625%
HK$66,227
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,822/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,176 · Scale 2, in force from 26 Feb 2026)