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$29,901
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,831
−HK$945/mo
Today · 4.125%
HK$31,776
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,933/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,552/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,264
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$905/mo
Today · 4.125%
HK$35,061
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,122/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,881
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,997
−HK$1,134/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,451
+HK$2,320/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,917
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,987
−HK$1,086/mo
Today · 4.125%
HK$42,073
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,146/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,861
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,163
−HK$1,323/mo
Today · 4.125%
HK$44,486
baseline
▲ 0.50% · 4.625%
HK$47,193
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,972/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,570
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,819
−HK$1,267/mo
Today · 4.125%
HK$49,086
baseline
▲ 0.50% · 4.625%
HK$51,673
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,172/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,821
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,495
−HK$1,701/mo
Today · 4.125%
HK$57,196
baseline
▲ 0.50% · 4.625%
HK$60,676
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,392/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,875
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,481
−HK$1,629/mo
Today · 4.125%
HK$63,110
baseline
▲ 0.50% · 4.625%
HK$66,437
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,220/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,730 · Scale 2, in force from 26 Feb 2026)