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$29,747
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$940/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,536
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,226/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,981
−HK$901/mo
Today · 4.125%
HK$34,882
baseline
▲ 0.50% · 4.625%
HK$36,720
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,764/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,697
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,807
−HK$1,128/mo
Today · 4.125%
HK$37,935
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,870/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,712
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,080/mo
Today · 4.125%
HK$41,858
baseline
▲ 0.50% · 4.625%
HK$44,064
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,716/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,646
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,942
−HK$1,316/mo
Today · 4.125%
HK$44,258
baseline
▲ 0.50% · 4.625%
HK$46,951
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,516/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,331
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,574
−HK$1,260/mo
Today · 4.125%
HK$48,834
baseline
▲ 0.50% · 4.625%
HK$51,408
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,668/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,545
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,211
−HK$1,692/mo
Today · 4.125%
HK$56,903
baseline
▲ 0.50% · 4.625%
HK$60,366
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,806/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,569
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,166
−HK$1,621/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,212 · Scale 2, in force from 26 Feb 2026)