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$30,332
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$958/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,744
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$918/mo
Today · 4.125%
HK$35,567
baseline
▲ 0.50% · 4.625%
HK$37,442
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,134/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$1,150/mo
Today · 4.125%
HK$38,681
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,362/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,493
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,579
−HK$1,102/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,465
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,786
−HK$1,342/mo
Today · 4.125%
HK$45,128
baseline
▲ 0.50% · 4.625%
HK$47,874
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,256/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,242
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,509
−HK$1,285/mo
Today · 4.125%
HK$49,794
baseline
▲ 0.50% · 4.625%
HK$52,419
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,588/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,598
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,296
−HK$1,726/mo
Today · 4.125%
HK$58,022
baseline
▲ 0.50% · 4.625%
HK$61,552
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,044/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,740
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,369
−HK$1,652/mo
Today · 4.125%
HK$64,021
baseline
▲ 0.50% · 4.625%
HK$67,396
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,042/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,831 · Scale 2, in force from 26 Feb 2026)