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$30,235
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$955/mo
Today · 4.125%
HK$32,131
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,262/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,636
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$915/mo
Today · 4.125%
HK$35,454
baseline
▲ 0.50% · 4.625%
HK$37,323
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,908/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$1,147/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,446
−HK$1,098/mo
Today · 4.125%
HK$42,544
baseline
▲ 0.50% · 4.625%
HK$44,787
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,088/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,329
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,646
−HK$1,338/mo
Today · 4.125%
HK$44,984
baseline
▲ 0.50% · 4.625%
HK$47,721
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,968/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,091
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,354
−HK$1,281/mo
Today · 4.125%
HK$49,635
baseline
▲ 0.50% · 4.625%
HK$52,252
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,270/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,423
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,116
−HK$1,720/mo
Today · 4.125%
HK$57,836
baseline
▲ 0.50% · 4.625%
HK$61,355
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,672/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,546
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,169
−HK$1,648/mo
Today · 4.125%
HK$63,817
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,634/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,235 · Scale 2, in force from 26 Feb 2026)