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$29,247
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$925/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$885/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,102
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,096
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,188
−HK$1,109/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,566
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,044
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,091
−HK$1,062/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,322
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,945
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,219
−HK$1,294/mo
Today · 4.125%
HK$43,513
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,026/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,551
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,239/mo
Today · 4.125%
HK$48,012
baseline
▲ 0.50% · 4.625%
HK$50,543
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,024/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,644
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,281
−HK$1,664/mo
Today · 4.125%
HK$55,945
baseline
▲ 0.50% · 4.625%
HK$59,349
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,890/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,566
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,136
−HK$1,594/mo
Today · 4.125%
HK$61,730
baseline
▲ 0.50% · 4.625%
HK$64,984
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,460/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,975 · Scale 2, in force from 26 Feb 2026)