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$29,582
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$935/mo
Today · 4.125%
HK$31,437
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,874/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,910
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$895/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,516
+HK$1,828/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$1,122/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$40,020
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,075/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$43,820
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,309/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,690
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,074
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,253/mo
Today · 4.125%
HK$48,563
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,126/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,248
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,683/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$60,030
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,174/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,238
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,827
−HK$1,611/mo
Today · 4.125%
HK$62,438
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,876/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,496 · Scale 2, in force from 26 Feb 2026)