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$30,084
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$950/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,940/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,468
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$911/mo
Today · 4.125%
HK$35,276
baseline
▲ 0.50% · 4.625%
HK$37,136
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,552/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,101
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,223
−HK$1,141/mo
Today · 4.125%
HK$38,364
baseline
▲ 0.50% · 4.625%
HK$40,699
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,728/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,161
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,239
−HK$1,092/mo
Today · 4.125%
HK$42,331
baseline
▲ 0.50% · 4.625%
HK$44,563
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,662/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,117
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,427
−HK$1,331/mo
Today · 4.125%
HK$44,758
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,516/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,855
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,274/mo
Today · 4.125%
HK$49,386
baseline
▲ 0.50% · 4.625%
HK$51,990
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,772/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,151
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,835
−HK$1,712/mo
Today · 4.125%
HK$57,547
baseline
▲ 0.50% · 4.625%
HK$61,048
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,094/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,242
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,858
−HK$1,639/mo
Today · 4.125%
HK$63,497
baseline
▲ 0.50% · 4.625%
HK$66,844
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,994/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,744 · Scale 2, in force from 26 Feb 2026)