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$29,916
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$945/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,281
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$905/mo
Today · 4.125%
HK$35,079
baseline
▲ 0.50% · 4.625%
HK$36,928
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,158/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,899
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$1,134/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,938
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,086/mo
Today · 4.125%
HK$42,095
baseline
▲ 0.50% · 4.625%
HK$44,314
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,190/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,324/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,708/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,594
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,268/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$51,700
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,849
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,524
−HK$1,702/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,708
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,906
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,513
−HK$1,630/mo
Today · 4.125%
HK$63,143
baseline
▲ 0.50% · 4.625%
HK$66,471
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,286/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,986 · Scale 2, in force from 26 Feb 2026)