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$30,098
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$951/mo
Today · 4.125%
HK$31,985
baseline
▲ 0.50% · 4.625%
HK$33,932
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,970/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,484
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$911/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,153
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,118
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$1,142/mo
Today · 4.125%
HK$38,383
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,766/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,180
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,258
−HK$1,093/mo
Today · 4.125%
HK$42,351
baseline
▲ 0.50% · 4.625%
HK$44,584
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,702/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,137
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,448
−HK$1,332/mo
Today · 4.125%
HK$44,780
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,560/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,877
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,134
−HK$1,276/mo
Today · 4.125%
HK$49,410
baseline
▲ 0.50% · 4.625%
HK$52,014
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,820/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,176
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,862
−HK$1,712/mo
Today · 4.125%
HK$57,574
baseline
▲ 0.50% · 4.625%
HK$61,077
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,148/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,271
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,887
−HK$1,640/mo
Today · 4.125%
HK$63,527
baseline
▲ 0.50% · 4.625%
HK$66,876
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,054/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,978 · Scale 2, in force from 26 Feb 2026)