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$30,104
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$951/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,490
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$911/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,160
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,124
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$1,142/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,093/mo
Today · 4.125%
HK$42,359
baseline
▲ 0.50% · 4.625%
HK$44,592
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,718/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,145
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,332/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,513
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,886
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,143
−HK$1,276/mo
Today · 4.125%
HK$49,419
baseline
▲ 0.50% · 4.625%
HK$52,024
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,838/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,187
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,872
−HK$1,712/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$61,088
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,282
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,899
−HK$1,640/mo
Today · 4.125%
HK$63,539
baseline
▲ 0.50% · 4.625%
HK$66,888
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,078/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,070 · Scale 2, in force from 26 Feb 2026)