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$30,302
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$957/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,960/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$917/mo
Today · 4.125%
HK$35,532
baseline
▲ 0.50% · 4.625%
HK$37,405
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,064/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,363
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,494
−HK$1,149/mo
Today · 4.125%
HK$38,643
baseline
▲ 0.50% · 4.625%
HK$40,994
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,286/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,453
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,101/mo
Today · 4.125%
HK$42,639
baseline
▲ 0.50% · 4.625%
HK$44,886
+HK$2,247/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,278/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,423
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,340/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,827
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,195
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,284/mo
Today · 4.125%
HK$49,745
baseline
▲ 0.50% · 4.625%
HK$52,367
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,490/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,544
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,241
−HK$1,723/mo
Today · 4.125%
HK$57,964
baseline
▲ 0.50% · 4.625%
HK$61,491
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,928/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,680
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,307
−HK$1,651/mo
Today · 4.125%
HK$63,958
baseline
▲ 0.50% · 4.625%
HK$67,329
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,916/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,337 · Scale 2, in force from 26 Feb 2026)