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$30,178
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$954/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$913/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$1,144/mo
Today · 4.125%
HK$38,484
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,968/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,287
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,367
−HK$1,096/mo
Today · 4.125%
HK$42,463
baseline
▲ 0.50% · 4.625%
HK$44,702
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,926/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,249
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,563
−HK$1,335/mo
Today · 4.125%
HK$44,898
baseline
▲ 0.50% · 4.625%
HK$47,630
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,796/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,001
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,262
−HK$1,279/mo
Today · 4.125%
HK$49,541
baseline
▲ 0.50% · 4.625%
HK$52,152
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,082/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,320
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,009
−HK$1,717/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$61,239
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,430
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,644/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,053
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,288 · Scale 2, in force from 26 Feb 2026)