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$30,248
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$956/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,651
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$916/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$1,147/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,921
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,099/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,243/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,665
−HK$1,338/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,741
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,111
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,375
−HK$1,281/mo
Today · 4.125%
HK$49,656
baseline
▲ 0.50% · 4.625%
HK$52,274
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,312/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,140
−HK$1,721/mo
Today · 4.125%
HK$57,861
baseline
▲ 0.50% · 4.625%
HK$61,382
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,722/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,571
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,196
−HK$1,648/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,447 · Scale 2, in force from 26 Feb 2026)