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$29,854
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,782
−HK$944/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,656
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,212
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,102
−HK$904/mo
Today · 4.125%
HK$35,006
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,012/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,824
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$1,132/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,854
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,923
−HK$1,084/mo
Today · 4.125%
HK$42,007
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,014/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,795
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,095
−HK$1,321/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,496
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,266/mo
Today · 4.125%
HK$49,009
baseline
▲ 0.50% · 4.625%
HK$51,592
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,018/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,736
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,408
−HK$1,698/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,581
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,781
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,384
−HK$1,627/mo
Today · 4.125%
HK$63,011
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,022/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,957 · Scale 2, in force from 26 Feb 2026)