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$29,860
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$944/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$904/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,831
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,946
−HK$1,132/mo
Today · 4.125%
HK$38,078
baseline
▲ 0.50% · 4.625%
HK$40,395
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,156/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,862
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,931
−HK$1,085/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,230
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,803
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,321/mo
Today · 4.125%
HK$44,425
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,850/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,753
−HK$1,265/mo
Today · 4.125%
HK$49,018
baseline
▲ 0.50% · 4.625%
HK$51,602
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,036/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,747
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,419
−HK$1,699/mo
Today · 4.125%
HK$57,118
baseline
▲ 0.50% · 4.625%
HK$60,593
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,236/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,793
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,397
−HK$1,627/mo
Today · 4.125%
HK$63,024
baseline
▲ 0.50% · 4.625%
HK$66,346
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,048/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,056 · Scale 2, in force from 26 Feb 2026)