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$30,131
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$953/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,969
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,521
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$912/mo
Today · 4.125%
HK$35,332
baseline
▲ 0.50% · 4.625%
HK$37,194
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,664/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,157
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,282
−HK$1,143/mo
Today · 4.125%
HK$38,425
baseline
▲ 0.50% · 4.625%
HK$40,763
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,850/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,225
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,095/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,633
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,496
−HK$1,333/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,929
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,187
−HK$1,277/mo
Today · 4.125%
HK$49,464
baseline
▲ 0.50% · 4.625%
HK$52,072
+HK$2,608/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,928/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,236
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,923
−HK$1,714/mo
Today · 4.125%
HK$57,637
baseline
▲ 0.50% · 4.625%
HK$61,144
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,274/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,337
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,955
−HK$1,642/mo
Today · 4.125%
HK$63,597
baseline
▲ 0.50% · 4.625%
HK$66,949
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,194/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,523 · Scale 2, in force from 26 Feb 2026)