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$30,154
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$953/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,546
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$912/mo
Today · 4.125%
HK$35,358
baseline
▲ 0.50% · 4.625%
HK$37,222
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,716/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,310
−HK$1,144/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,255
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,095/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$44,666
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,215
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,529
−HK$1,334/mo
Today · 4.125%
HK$44,863
baseline
▲ 0.50% · 4.625%
HK$47,593
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,726/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,964
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,224
−HK$1,278/mo
Today · 4.125%
HK$49,502
baseline
▲ 0.50% · 4.625%
HK$52,111
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,004/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,277
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,965
−HK$1,716/mo
Today · 4.125%
HK$57,681
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,362/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,383
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,002
−HK$1,643/mo
Today · 4.125%
HK$63,645
baseline
▲ 0.50% · 4.625%
HK$67,000
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,290/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,897 · Scale 2, in force from 26 Feb 2026)