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$30,349
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$959/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$34,215
+HK$1,963/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$919/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$1,876/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$1,150/mo
Today · 4.125%
HK$38,702
baseline
▲ 0.50% · 4.625%
HK$41,057
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,404/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,515
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,102/mo
Today · 4.125%
HK$42,704
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,408/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,488
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,810
−HK$1,343/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,900
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,268
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,286/mo
Today · 4.125%
HK$49,822
baseline
▲ 0.50% · 4.625%
HK$52,448
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,644/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,628
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,327
−HK$1,727/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,586
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,773
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,403
−HK$1,654/mo
Today · 4.125%
HK$64,057
baseline
▲ 0.50% · 4.625%
HK$67,433
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,114/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,104 · Scale 2, in force from 26 Feb 2026)