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$30,249
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$956/mo
Today · 4.125%
HK$32,146
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,292/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,555
−HK$915/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,299
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$1,148/mo
Today · 4.125%
HK$38,576
baseline
▲ 0.50% · 4.625%
HK$40,923
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,152/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,383
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,098/mo
Today · 4.125%
HK$42,564
baseline
▲ 0.50% · 4.625%
HK$44,808
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,128/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,349
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,667
−HK$1,338/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,743
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,113
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,282/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,449
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,143
−HK$1,720/mo
Today · 4.125%
HK$57,863
baseline
▲ 0.50% · 4.625%
HK$61,384
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,726/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,574
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,199
−HK$1,648/mo
Today · 4.125%
HK$63,847
baseline
▲ 0.50% · 4.625%
HK$67,212
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,694/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,469 · Scale 2, in force from 26 Feb 2026)