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$30,203
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,142
−HK$955/mo
Today · 4.125%
HK$32,097
baseline
▲ 0.50% · 4.625%
HK$34,050
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,194/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,502
−HK$914/mo
Today · 4.125%
HK$35,416
baseline
▲ 0.50% · 4.625%
HK$37,283
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,832/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$1,145/mo
Today · 4.125%
HK$38,516
baseline
▲ 0.50% · 4.625%
HK$40,860
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,032/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,402
−HK$1,097/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,284
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,599
−HK$1,337/mo
Today · 4.125%
HK$44,936
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,872/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,041
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,302
−HK$1,280/mo
Today · 4.125%
HK$49,582
baseline
▲ 0.50% · 4.625%
HK$52,196
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,164/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,365
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,056
−HK$1,718/mo
Today · 4.125%
HK$57,774
baseline
▲ 0.50% · 4.625%
HK$61,290
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,548/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,481
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,103
−HK$1,645/mo
Today · 4.125%
HK$63,748
baseline
▲ 0.50% · 4.625%
HK$67,109
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,496/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,702 · Scale 2, in force from 26 Feb 2026)