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$29,815
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$942/mo
Today · 4.125%
HK$31,685
baseline
▲ 0.50% · 4.625%
HK$33,613
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,370/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,169
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$902/mo
Today · 4.125%
HK$34,961
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,922/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,778
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$1,131/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,336
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,871
−HK$1,083/mo
Today · 4.125%
HK$41,954
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,908/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,040
−HK$1,319/mo
Today · 4.125%
HK$44,359
baseline
▲ 0.50% · 4.625%
HK$47,058
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,718/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,437
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,682
−HK$1,264/mo
Today · 4.125%
HK$48,946
baseline
▲ 0.50% · 4.625%
HK$51,526
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,892/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,668
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,337
−HK$1,696/mo
Today · 4.125%
HK$57,033
baseline
▲ 0.50% · 4.625%
HK$60,503
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,066/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,705
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,306
−HK$1,624/mo
Today · 4.125%
HK$62,930
baseline
▲ 0.50% · 4.625%
HK$66,248
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,860/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,329 · Scale 2, in force from 26 Feb 2026)