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$30,036
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$949/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$909/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,043
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,164
−HK$1,139/mo
Today · 4.125%
HK$38,303
baseline
▲ 0.50% · 4.625%
HK$40,634
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,606/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,097
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,173
−HK$1,091/mo
Today · 4.125%
HK$42,264
baseline
▲ 0.50% · 4.625%
HK$44,491
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,528/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,050
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,358
−HK$1,329/mo
Today · 4.125%
HK$44,687
baseline
▲ 0.50% · 4.625%
HK$47,406
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,374/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,780
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,273/mo
Today · 4.125%
HK$49,308
baseline
▲ 0.50% · 4.625%
HK$51,907
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,616/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,064
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,709/mo
Today · 4.125%
HK$57,455
baseline
▲ 0.50% · 4.625%
HK$60,951
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,910/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,146
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,637/mo
Today · 4.125%
HK$63,396
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,792/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,954 · Scale 2, in force from 26 Feb 2026)