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$29,514
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$933/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$893/mo
Today · 4.125%
HK$34,608
baseline
▲ 0.50% · 4.625%
HK$36,432
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,216/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$1,119/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,928
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,401
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,072/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,306/mo
Today · 4.125%
HK$43,911
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,822/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,968
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,250/mo
Today · 4.125%
HK$48,451
baseline
▲ 0.50% · 4.625%
HK$51,005
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,902/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,125
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,778
−HK$1,679/mo
Today · 4.125%
HK$56,457
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,914/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,102
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,687
−HK$1,608/mo
Today · 4.125%
HK$62,295
baseline
▲ 0.50% · 4.625%
HK$65,578
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,590/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,376 · Scale 2, in force from 26 Feb 2026)