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$30,030
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,964
−HK$949/mo
Today · 4.125%
HK$31,913
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,942/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,826/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,408
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$909/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,036
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,157
−HK$1,139/mo
Today · 4.125%
HK$38,296
baseline
▲ 0.50% · 4.625%
HK$40,626
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,592/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,090
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,165
−HK$1,091/mo
Today · 4.125%
HK$42,256
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,512/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,042
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,350
−HK$1,328/mo
Today · 4.125%
HK$44,678
baseline
▲ 0.50% · 4.625%
HK$47,397
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,356/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,771
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,026
−HK$1,272/mo
Today · 4.125%
HK$49,298
baseline
▲ 0.50% · 4.625%
HK$51,897
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,596/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,735
−HK$1,709/mo
Today · 4.125%
HK$57,444
baseline
▲ 0.50% · 4.625%
HK$60,939
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,888/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,747
−HK$1,636/mo
Today · 4.125%
HK$63,383
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,766/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,859 · Scale 2, in force from 26 Feb 2026)