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$30,126
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,063
−HK$952/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,963
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$912/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$1,143/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,755
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,217
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,094/mo
Today · 4.125%
HK$42,390
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,235/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,780/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,176
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,488
−HK$1,333/mo
Today · 4.125%
HK$44,821
baseline
▲ 0.50% · 4.625%
HK$47,548
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,642/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,920
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,276/mo
Today · 4.125%
HK$49,455
baseline
▲ 0.50% · 4.625%
HK$52,062
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,910/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,226
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,913
−HK$1,714/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$61,133
+HK$3,506/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,326
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,944
−HK$1,641/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$66,937
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,432 · Scale 2, in force from 26 Feb 2026)