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$29,932
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$946/mo
Today · 4.125%
HK$31,809
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,618/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,299
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$906/mo
Today · 4.125%
HK$35,098
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,196/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,036
−HK$1,135/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,959
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,031
−HK$1,087/mo
Today · 4.125%
HK$42,118
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,236/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,905
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,208
−HK$1,325/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$47,242
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,619
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,869
−HK$1,268/mo
Today · 4.125%
HK$49,137
baseline
▲ 0.50% · 4.625%
HK$51,727
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,274/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,878
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,554
−HK$1,702/mo
Today · 4.125%
HK$57,256
baseline
▲ 0.50% · 4.625%
HK$60,740
+HK$3,484/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,512/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,938
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,546
−HK$1,631/mo
Today · 4.125%
HK$63,177
baseline
▲ 0.50% · 4.625%
HK$66,507
+HK$3,330/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,354/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,248 · Scale 2, in force from 26 Feb 2026)