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$29,187
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$922/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$883/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,024
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,114
−HK$1,107/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,964
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,009
−HK$1,060/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,234
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,133
−HK$1,291/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$46,066
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,458
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,677
−HK$1,237/mo
Today · 4.125%
HK$47,914
baseline
▲ 0.50% · 4.625%
HK$50,440
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,828/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,171
−HK$1,660/mo
Today · 4.125%
HK$55,831
baseline
▲ 0.50% · 4.625%
HK$59,228
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,662/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,446
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,590/mo
Today · 4.125%
HK$61,604
baseline
▲ 0.50% · 4.625%
HK$64,851
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,208/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,995 · Scale 2, in force from 26 Feb 2026)