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$29,790
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$941/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$902/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$1,130/mo
Today · 4.125%
HK$37,990
baseline
▲ 0.50% · 4.625%
HK$40,302
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,980/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,836
−HK$1,082/mo
Today · 4.125%
HK$41,918
baseline
▲ 0.50% · 4.625%
HK$44,128
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,836/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,706
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,004
−HK$1,318/mo
Today · 4.125%
HK$44,322
baseline
▲ 0.50% · 4.625%
HK$47,019
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,644/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,398
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,642
−HK$1,263/mo
Today · 4.125%
HK$48,905
baseline
▲ 0.50% · 4.625%
HK$51,482
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,810/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,622
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,290
−HK$1,695/mo
Today · 4.125%
HK$56,985
baseline
▲ 0.50% · 4.625%
HK$60,452
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,970/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,654
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,254
−HK$1,623/mo
Today · 4.125%
HK$62,877
baseline
▲ 0.50% · 4.625%
HK$66,192
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,754/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,916 · Scale 2, in force from 26 Feb 2026)