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$30,206
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$955/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$34,054
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$914/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,287
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,248
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$1,146/mo
Today · 4.125%
HK$38,521
baseline
▲ 0.50% · 4.625%
HK$40,865
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,042/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,407
−HK$1,097/mo
Today · 4.125%
HK$42,504
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,008/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,289
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,604
−HK$1,337/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,675
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,046
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,308
−HK$1,280/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,202
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,372
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,063
−HK$1,718/mo
Today · 4.125%
HK$57,781
baseline
▲ 0.50% · 4.625%
HK$61,297
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,562/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,488
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,110
−HK$1,646/mo
Today · 4.125%
HK$63,756
baseline
▲ 0.50% · 4.625%
HK$67,117
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,512/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,761 · Scale 2, in force from 26 Feb 2026)