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$30,264
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$956/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$34,119
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$916/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,358
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,317
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$1,148/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,943
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,403
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,486
−HK$1,099/mo
Today · 4.125%
HK$42,585
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,170/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,370
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,339/mo
Today · 4.125%
HK$45,027
baseline
▲ 0.50% · 4.625%
HK$47,767
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,054/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,136
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,283/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,302
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,476
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,170
−HK$1,722/mo
Today · 4.125%
HK$57,892
baseline
▲ 0.50% · 4.625%
HK$61,414
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,784/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,604
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,229
−HK$1,649/mo
Today · 4.125%
HK$63,878
baseline
▲ 0.50% · 4.625%
HK$67,245
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,756/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,713 · Scale 2, in force from 26 Feb 2026)