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$30,327
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$958/mo
Today · 4.125%
HK$32,228
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,456/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$918/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,392
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,524
−HK$1,150/mo
Today · 4.125%
HK$38,674
baseline
▲ 0.50% · 4.625%
HK$41,027
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,348/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,486
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,572
−HK$1,101/mo
Today · 4.125%
HK$42,673
baseline
▲ 0.50% · 4.625%
HK$44,923
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,346/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,457
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,342/mo
Today · 4.125%
HK$45,120
baseline
▲ 0.50% · 4.625%
HK$47,865
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,240/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,233
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,500
−HK$1,285/mo
Today · 4.125%
HK$49,785
baseline
▲ 0.50% · 4.625%
HK$52,410
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,570/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,588
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,286
−HK$1,725/mo
Today · 4.125%
HK$58,011
baseline
▲ 0.50% · 4.625%
HK$61,541
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,022/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,729
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,653/mo
Today · 4.125%
HK$64,010
baseline
▲ 0.50% · 4.625%
HK$67,384
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,020/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,739 · Scale 2, in force from 26 Feb 2026)