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$30,201
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$954/mo
Today · 4.125%
HK$32,095
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,190/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,500
−HK$914/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,242
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,369
−HK$1,145/mo
Today · 4.125%
HK$38,514
baseline
▲ 0.50% · 4.625%
HK$40,858
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,028/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,400
−HK$1,097/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$44,737
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,282
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,597
−HK$1,337/mo
Today · 4.125%
HK$44,934
baseline
▲ 0.50% · 4.625%
HK$47,668
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,868/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,038
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,300
−HK$1,280/mo
Today · 4.125%
HK$49,580
baseline
▲ 0.50% · 4.625%
HK$52,193
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,160/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,363
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,054
−HK$1,718/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$61,287
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,478
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,100
−HK$1,645/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,105
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,680 · Scale 2, in force from 26 Feb 2026)