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$29,283
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$926/mo
Today · 4.125%
HK$31,119
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,238/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,577
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$887/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,139
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,232
−HK$1,111/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,615
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,092
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,064/mo
Today · 4.125%
HK$41,204
baseline
▲ 0.50% · 4.625%
HK$43,376
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,408/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,996
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,295/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,607
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,241/mo
Today · 4.125%
HK$48,071
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,142/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,709
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,348
−HK$1,666/mo
Today · 4.125%
HK$56,014
baseline
▲ 0.50% · 4.625%
HK$59,422
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,028/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,595/mo
Today · 4.125%
HK$61,806
baseline
▲ 0.50% · 4.625%
HK$65,064
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,612/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,568 · Scale 2, in force from 26 Feb 2026)