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$29,941
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,872
−HK$947/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,755
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,309
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,202
−HK$907/mo
Today · 4.125%
HK$35,109
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$1,850/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,218/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,929
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,047
−HK$1,135/mo
Today · 4.125%
HK$38,182
baseline
▲ 0.50% · 4.625%
HK$40,506
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,364/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,971
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,043
−HK$1,087/mo
Today · 4.125%
HK$42,130
baseline
▲ 0.50% · 4.625%
HK$44,351
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,260/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,917
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,221
−HK$1,325/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$47,257
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,633
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,883
−HK$1,269/mo
Today · 4.125%
HK$49,152
baseline
▲ 0.50% · 4.625%
HK$51,743
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,304/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,894
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,570
−HK$1,703/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,758
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,956
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,564
−HK$1,632/mo
Today · 4.125%
HK$63,196
baseline
▲ 0.50% · 4.625%
HK$66,527
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,392/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,396 · Scale 2, in force from 26 Feb 2026)