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$30,083
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$951/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,915
+HK$1,945/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$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$910/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,135
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,100
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,223
−HK$1,141/mo
Today · 4.125%
HK$38,364
baseline
▲ 0.50% · 4.625%
HK$40,698
+HK$2,334/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$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,161
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,238
−HK$1,092/mo
Today · 4.125%
HK$42,330
baseline
▲ 0.50% · 4.625%
HK$44,562
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,660/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,427
−HK$1,331/mo
Today · 4.125%
HK$44,758
baseline
▲ 0.50% · 4.625%
HK$47,481
+HK$2,723/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$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,854
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,111
−HK$1,275/mo
Today · 4.125%
HK$49,386
baseline
▲ 0.50% · 4.625%
HK$51,989
+HK$2,603/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$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,150
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,834
−HK$1,711/mo
Today · 4.125%
HK$57,545
baseline
▲ 0.50% · 4.625%
HK$61,047
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,090/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,241
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,639/mo
Today · 4.125%
HK$63,496
baseline
▲ 0.50% · 4.625%
HK$66,843
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,992/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,734 · Scale 2, in force from 26 Feb 2026)