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$30,089
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$951/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$911/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,107
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$1,141/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,169
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,093/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,332/mo
Today · 4.125%
HK$44,767
baseline
▲ 0.50% · 4.625%
HK$47,491
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,534/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,864
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,121
−HK$1,275/mo
Today · 4.125%
HK$49,396
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,792/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,161
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,845
−HK$1,712/mo
Today · 4.125%
HK$57,557
baseline
▲ 0.50% · 4.625%
HK$61,059
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,114/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,253
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,869
−HK$1,640/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,834 · Scale 2, in force from 26 Feb 2026)