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$30,155
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,093
−HK$952/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$913/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,223
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,311
−HK$1,144/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,256
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,336
−HK$1,095/mo
Today · 4.125%
HK$42,431
baseline
▲ 0.50% · 4.625%
HK$44,667
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,862/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,216
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,334/mo
Today · 4.125%
HK$44,864
baseline
▲ 0.50% · 4.625%
HK$47,594
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,728/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,225
−HK$1,278/mo
Today · 4.125%
HK$49,503
baseline
▲ 0.50% · 4.625%
HK$52,112
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,006/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,278
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,967
−HK$1,715/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$61,192
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,384
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,003
−HK$1,643/mo
Today · 4.125%
HK$63,646
baseline
▲ 0.50% · 4.625%
HK$67,001
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,292/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,907 · Scale 2, in force from 26 Feb 2026)