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$30,145
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$953/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$912/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,173
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,299
−HK$1,143/mo
Today · 4.125%
HK$38,442
baseline
▲ 0.50% · 4.625%
HK$40,781
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,884/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,243
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,322
−HK$1,095/mo
Today · 4.125%
HK$42,417
baseline
▲ 0.50% · 4.625%
HK$44,653
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,834/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,202
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,515
−HK$1,334/mo
Today · 4.125%
HK$44,849
baseline
▲ 0.50% · 4.625%
HK$47,578
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,698/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,950
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,277/mo
Today · 4.125%
HK$49,486
baseline
▲ 0.50% · 4.625%
HK$52,095
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,972/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,260
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,948
−HK$1,715/mo
Today · 4.125%
HK$57,663
baseline
▲ 0.50% · 4.625%
HK$61,171
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,326/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,364
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,983
−HK$1,642/mo
Today · 4.125%
HK$63,625
baseline
▲ 0.50% · 4.625%
HK$66,979
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,250/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,743 · Scale 2, in force from 26 Feb 2026)