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$29,874
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$944/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,679
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,235
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$904/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$36,877
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,849
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$1,133/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,882
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,951
−HK$1,085/mo
Today · 4.125%
HK$42,036
baseline
▲ 0.50% · 4.625%
HK$44,252
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,072/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,824
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,125
−HK$1,322/mo
Today · 4.125%
HK$44,447
baseline
▲ 0.50% · 4.625%
HK$47,151
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,894/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,529
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,777
−HK$1,266/mo
Today · 4.125%
HK$49,043
baseline
▲ 0.50% · 4.625%
HK$51,628
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,086/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,774
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,446
−HK$1,700/mo
Today · 4.125%
HK$57,146
baseline
▲ 0.50% · 4.625%
HK$60,623
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,292/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,823
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,427
−HK$1,628/mo
Today · 4.125%
HK$63,055
baseline
▲ 0.50% · 4.625%
HK$66,378
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,110/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,298 · Scale 2, in force from 26 Feb 2026)