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$30,177
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$953/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$913/mo
Today · 4.125%
HK$35,385
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,770/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,212
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$1,144/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,286
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,096/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$44,701
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,335/mo
Today · 4.125%
HK$44,897
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,794/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,000
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,278/mo
Today · 4.125%
HK$49,539
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,078/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,008
−HK$1,717/mo
Today · 4.125%
HK$57,725
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,450/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,429
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,645/mo
Today · 4.125%
HK$63,694
baseline
▲ 0.50% · 4.625%
HK$67,051
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,388/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,276 · Scale 2, in force from 26 Feb 2026)