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$30,059
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,994
−HK$950/mo
Today · 4.125%
HK$31,944
baseline
▲ 0.50% · 4.625%
HK$33,888
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,888/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$910/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,193
−HK$1,140/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,128
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,091/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,526
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,083
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,329/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,443
+HK$2,722/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,816
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,072
−HK$1,274/mo
Today · 4.125%
HK$49,346
baseline
▲ 0.50% · 4.625%
HK$51,947
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,692/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,106
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,789
−HK$1,710/mo
Today · 4.125%
HK$57,499
baseline
▲ 0.50% · 4.625%
HK$60,998
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,998/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,193
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,638/mo
Today · 4.125%
HK$63,445
baseline
▲ 0.50% · 4.625%
HK$66,789
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,890/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,336 · Scale 2, in force from 26 Feb 2026)