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$30,147
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$953/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,076/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$912/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,214
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$1,143/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,246
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,095/mo
Today · 4.125%
HK$42,420
baseline
▲ 0.50% · 4.625%
HK$44,657
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,840/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,206
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,519
−HK$1,334/mo
Today · 4.125%
HK$44,853
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,706/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,954
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,213
−HK$1,278/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,099
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,265
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,953
−HK$1,715/mo
Today · 4.125%
HK$57,668
baseline
▲ 0.50% · 4.625%
HK$61,177
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,336/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,369
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,643/mo
Today · 4.125%
HK$63,631
baseline
▲ 0.50% · 4.625%
HK$66,985
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,262/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,786 · Scale 2, in force from 26 Feb 2026)