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$29,689
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$938/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,029
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,915
−HK$899/mo
Today · 4.125%
HK$34,814
baseline
▲ 0.50% · 4.625%
HK$36,649
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,628/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,627
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$1,126/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,078/mo
Today · 4.125%
HK$41,776
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,552/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,314/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,241
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,258/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,308
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,441
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,103
−HK$1,689/mo
Today · 4.125%
HK$56,792
baseline
▲ 0.50% · 4.625%
HK$60,248
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,584/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,453
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,047
−HK$1,618/mo
Today · 4.125%
HK$62,665
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,330/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,259 · Scale 2, in force from 26 Feb 2026)