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$29,017
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$878/mo
Today · 4.125%
HK$34,025
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,050/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$1,101/mo
Today · 4.125%
HK$37,004
baseline
▲ 0.50% · 4.625%
HK$39,256
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,008/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,737
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,776
−HK$1,054/mo
Today · 4.125%
HK$40,830
baseline
▲ 0.50% · 4.625%
HK$42,982
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,660/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,624
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,887
−HK$1,284/mo
Today · 4.125%
HK$43,171
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,342/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,194
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,406
−HK$1,229/mo
Today · 4.125%
HK$47,635
baseline
▲ 0.50% · 4.625%
HK$50,146
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,270/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,231
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,855
−HK$1,651/mo
Today · 4.125%
HK$55,506
baseline
▲ 0.50% · 4.625%
HK$58,883
+HK$3,377/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,012/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,106
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,664
−HK$1,581/mo
Today · 4.125%
HK$61,245
baseline
▲ 0.50% · 4.625%
HK$64,474
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,490/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,200 · Scale 2, in force from 26 Feb 2026)