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$28,026
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,898
−HK$885/mo
Today · 4.125%
HK$29,783
baseline
▲ 0.50% · 4.625%
HK$31,596
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,566/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$848/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,631
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$1,063/mo
Today · 4.125%
HK$35,740
baseline
▲ 0.50% · 4.625%
HK$37,915
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,480/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,018/mo
Today · 4.125%
HK$39,436
baseline
▲ 0.50% · 4.625%
HK$41,514
+HK$2,078/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,872/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,236
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,457
−HK$1,240/mo
Today · 4.125%
HK$41,697
baseline
▲ 0.50% · 4.625%
HK$44,234
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,394/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,650
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,820
−HK$1,188/mo
Today · 4.125%
HK$46,008
baseline
▲ 0.50% · 4.625%
HK$48,433
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,016/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,446
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,016
−HK$1,594/mo
Today · 4.125%
HK$53,610
baseline
▲ 0.50% · 4.625%
HK$56,872
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,220/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,121
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,626
−HK$1,527/mo
Today · 4.125%
HK$59,153
baseline
▲ 0.50% · 4.625%
HK$62,271
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,306/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,900 · Scale 2, in force from 26 Feb 2026)