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$29,260
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$924/mo
Today · 4.125%
HK$31,094
baseline
▲ 0.50% · 4.625%
HK$32,986
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,188/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,551
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,424
−HK$886/mo
Today · 4.125%
HK$34,310
baseline
▲ 0.50% · 4.625%
HK$36,118
+HK$1,808/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,620/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,111
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,204
−HK$1,109/mo
Today · 4.125%
HK$37,313
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,626/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,061
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,062/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,963
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,238
−HK$1,294/mo
Today · 4.125%
HK$43,532
baseline
▲ 0.50% · 4.625%
HK$46,181
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,064/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,571
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,794
−HK$1,239/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,565
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,667
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,305
−HK$1,665/mo
Today · 4.125%
HK$55,970
baseline
▲ 0.50% · 4.625%
HK$59,375
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,940/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,592
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,163
−HK$1,594/mo
Today · 4.125%
HK$61,757
baseline
▲ 0.50% · 4.625%
HK$65,013
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,514/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,189 · Scale 2, in force from 26 Feb 2026)