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$30,039
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$949/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,865
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,418
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$909/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,047
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$1,139/mo
Today · 4.125%
HK$38,307
baseline
▲ 0.50% · 4.625%
HK$40,638
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,614/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,101
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,177
−HK$1,091/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,329/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,785
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,040
−HK$1,273/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$51,912
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,070
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,752
−HK$1,708/mo
Today · 4.125%
HK$57,460
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,920/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,152
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,765
−HK$1,637/mo
Today · 4.125%
HK$63,402
baseline
▲ 0.50% · 4.625%
HK$66,744
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,804/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,004 · Scale 2, in force from 26 Feb 2026)