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$30,055
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$949/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$910/mo
Today · 4.125%
HK$35,242
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,484/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$1,139/mo
Today · 4.125%
HK$38,327
baseline
▲ 0.50% · 4.625%
HK$40,659
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,654/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,123
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,199
−HK$1,091/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,520
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,077
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,386
−HK$1,329/mo
Today · 4.125%
HK$44,715
baseline
▲ 0.50% · 4.625%
HK$47,436
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,430/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,810
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,065
−HK$1,274/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$51,940
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,099
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,781
−HK$1,710/mo
Today · 4.125%
HK$57,491
baseline
▲ 0.50% · 4.625%
HK$60,989
+HK$3,498/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,982/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,184
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,798
−HK$1,638/mo
Today · 4.125%
HK$63,436
baseline
▲ 0.50% · 4.625%
HK$66,779
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,872/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,267 · Scale 2, in force from 26 Feb 2026)