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$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$914/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,262
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,224
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,351
−HK$1,144/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,299
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,380
−HK$1,096/mo
Today · 4.125%
HK$42,476
baseline
▲ 0.50% · 4.625%
HK$44,715
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,952/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,261
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,576
−HK$1,335/mo
Today · 4.125%
HK$44,911
baseline
▲ 0.50% · 4.625%
HK$47,644
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,822/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,015
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,276
−HK$1,279/mo
Today · 4.125%
HK$49,555
baseline
▲ 0.50% · 4.625%
HK$52,167
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,110/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,336
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,026
−HK$1,717/mo
Today · 4.125%
HK$57,743
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,486/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,448
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,645/mo
Today · 4.125%
HK$63,714
baseline
▲ 0.50% · 4.625%
HK$67,072
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,428/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,435 · Scale 2, in force from 26 Feb 2026)