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$29,903
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$945/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,712
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,267
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$905/mo
Today · 4.125%
HK$35,064
baseline
▲ 0.50% · 4.625%
HK$36,913
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,128/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,884
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$1,134/mo
Today · 4.125%
HK$38,134
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,320/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,268/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,920
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,991
−HK$1,086/mo
Today · 4.125%
HK$42,077
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,154/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,167
−HK$1,323/mo
Today · 4.125%
HK$44,490
baseline
▲ 0.50% · 4.625%
HK$47,197
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,980/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,574
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,823
−HK$1,267/mo
Today · 4.125%
HK$49,090
baseline
▲ 0.50% · 4.625%
HK$51,678
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,180/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,826
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,500
−HK$1,701/mo
Today · 4.125%
HK$57,201
baseline
▲ 0.50% · 4.625%
HK$60,682
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,402/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,881
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,487
−HK$1,629/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,443
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,774 · Scale 2, in force from 26 Feb 2026)