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$30,234
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,174
−HK$956/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,635
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$915/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,281
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$1,147/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,362
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,099/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$44,785
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,644
−HK$1,338/mo
Today · 4.125%
HK$44,982
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,964/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,089
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,352
−HK$1,281/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,249
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,421
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,114
−HK$1,720/mo
Today · 4.125%
HK$57,834
baseline
▲ 0.50% · 4.625%
HK$61,353
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,668/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,543
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,167
−HK$1,647/mo
Today · 4.125%
HK$63,814
baseline
▲ 0.50% · 4.625%
HK$67,178
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,628/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,214 · Scale 2, in force from 26 Feb 2026)