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$29,607
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,528
−HK$936/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,378
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$896/mo
Today · 4.125%
HK$34,717
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,434/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,529
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$1,123/mo
Today · 4.125%
HK$37,757
baseline
▲ 0.50% · 4.625%
HK$40,054
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,514/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,585
−HK$1,076/mo
Today · 4.125%
HK$41,661
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,322/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,740
−HK$1,309/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,730
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,113
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,350
−HK$1,254/mo
Today · 4.125%
HK$48,604
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,208/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,293
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,951
−HK$1,684/mo
Today · 4.125%
HK$56,635
baseline
▲ 0.50% · 4.625%
HK$60,081
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,270/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,288
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,878
−HK$1,613/mo
Today · 4.125%
HK$62,491
baseline
▲ 0.50% · 4.625%
HK$65,785
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$124,982/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,908 · Scale 2, in force from 26 Feb 2026)