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$30,104
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$952/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,490
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$912/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,160
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$1,142/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,094/mo
Today · 4.125%
HK$42,360
baseline
▲ 0.50% · 4.625%
HK$44,592
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,720/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,145
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,332/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,886
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,276/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,024
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,187
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,712/mo
Today · 4.125%
HK$57,585
baseline
▲ 0.50% · 4.625%
HK$61,089
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,170/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,283
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,899
−HK$1,640/mo
Today · 4.125%
HK$63,539
baseline
▲ 0.50% · 4.625%
HK$66,889
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,078/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,075 · Scale 2, in force from 26 Feb 2026)