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$29,988
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,921
−HK$948/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,808
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$908/mo
Today · 4.125%
HK$35,164
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$1,853/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,328/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,986
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,105
−HK$1,137/mo
Today · 4.125%
HK$38,242
baseline
▲ 0.50% · 4.625%
HK$40,569
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,484/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,034
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,107
−HK$1,090/mo
Today · 4.125%
HK$42,197
baseline
▲ 0.50% · 4.625%
HK$44,421
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,394/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,289
−HK$1,327/mo
Today · 4.125%
HK$44,616
baseline
▲ 0.50% · 4.625%
HK$47,331
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,232/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,706
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,959
−HK$1,270/mo
Today · 4.125%
HK$49,229
baseline
▲ 0.50% · 4.625%
HK$51,824
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,458/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,979
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,658
−HK$1,705/mo
Today · 4.125%
HK$57,363
baseline
▲ 0.50% · 4.625%
HK$60,854
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,726/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,051
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,661
−HK$1,634/mo
Today · 4.125%
HK$63,295
baseline
▲ 0.50% · 4.625%
HK$66,631
+HK$3,336/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,590/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,170 · Scale 2, in force from 26 Feb 2026)