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$30,348
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$959/mo
Today · 4.125%
HK$32,251
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,963/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,502/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,762
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$918/mo
Today · 4.125%
HK$35,586
baseline
▲ 0.50% · 4.625%
HK$37,462
+HK$1,876/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,172/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,418
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,551
−HK$1,151/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$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,515
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,601
−HK$1,103/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$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,488
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,809
−HK$1,343/mo
Today · 4.125%
HK$45,152
baseline
▲ 0.50% · 4.625%
HK$47,899
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,304/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,267
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,535
−HK$1,286/mo
Today · 4.125%
HK$49,821
baseline
▲ 0.50% · 4.625%
HK$52,447
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,642/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,627
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,326
−HK$1,727/mo
Today · 4.125%
HK$58,053
baseline
▲ 0.50% · 4.625%
HK$61,585
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,106/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,772
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,402
−HK$1,653/mo
Today · 4.125%
HK$64,055
baseline
▲ 0.50% · 4.625%
HK$67,432
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,110/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,095 · Scale 2, in force from 26 Feb 2026)