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$30,014
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$949/mo
Today · 4.125%
HK$31,896
baseline
▲ 0.50% · 4.625%
HK$33,837
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,792/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,390
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,286
−HK$908/mo
Today · 4.125%
HK$35,194
baseline
▲ 0.50% · 4.625%
HK$37,049
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,388/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$1,138/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,604
+HK$2,329/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,068
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,090/mo
Today · 4.125%
HK$42,233
baseline
▲ 0.50% · 4.625%
HK$44,459
+HK$2,226/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$84,466/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,328/mo
Today · 4.125%
HK$44,654
baseline
▲ 0.50% · 4.625%
HK$47,371
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,308/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,746
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,000
−HK$1,272/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$51,869
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,025
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,705
−HK$1,708/mo
Today · 4.125%
HK$57,413
baseline
▲ 0.50% · 4.625%
HK$60,906
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,826/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,102
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,714
−HK$1,635/mo
Today · 4.125%
HK$63,349
baseline
▲ 0.50% · 4.625%
HK$66,689
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,698/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,594 · Scale 2, in force from 26 Feb 2026)