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$30,188
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,127
−HK$954/mo
Today · 4.125%
HK$32,081
baseline
▲ 0.50% · 4.625%
HK$34,033
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,162/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,584
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,485
−HK$913/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,264
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,226
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,353
−HK$1,144/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,840
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,301
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,382
−HK$1,096/mo
Today · 4.125%
HK$42,478
baseline
▲ 0.50% · 4.625%
HK$44,717
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,956/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,263
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,578
−HK$1,336/mo
Today · 4.125%
HK$44,914
baseline
▲ 0.50% · 4.625%
HK$47,647
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,828/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,018
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,279
−HK$1,279/mo
Today · 4.125%
HK$49,558
baseline
▲ 0.50% · 4.625%
HK$52,170
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,116/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,717/mo
Today · 4.125%
HK$57,746
baseline
▲ 0.50% · 4.625%
HK$61,260
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,492/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,073
−HK$1,644/mo
Today · 4.125%
HK$63,717
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,434/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,461 · Scale 2, in force from 26 Feb 2026)