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$29,702
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$939/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,485
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,043
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$899/mo
Today · 4.125%
HK$34,828
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,656/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,642
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$1,126/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$40,182
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,652
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,079/mo
Today · 4.125%
HK$41,794
baseline
▲ 0.50% · 4.625%
HK$43,997
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,588/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,583
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,876
−HK$1,314/mo
Today · 4.125%
HK$44,190
baseline
▲ 0.50% · 4.625%
HK$46,879
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,380/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,260
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,501
−HK$1,259/mo
Today · 4.125%
HK$48,760
baseline
▲ 0.50% · 4.625%
HK$51,330
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,520/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,463
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,126
−HK$1,690/mo
Today · 4.125%
HK$56,816
baseline
▲ 0.50% · 4.625%
HK$60,273
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,632/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,478
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,073
−HK$1,618/mo
Today · 4.125%
HK$62,691
baseline
▲ 0.50% · 4.625%
HK$65,995
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,382/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,464 · Scale 2, in force from 26 Feb 2026)