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$30,152
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,090
−HK$952/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,992
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,543
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,443
−HK$913/mo
Today · 4.125%
HK$35,356
baseline
▲ 0.50% · 4.625%
HK$37,219
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,712/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$1,144/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,252
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,332
−HK$1,095/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$44,663
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,212
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,334/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,589
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,961
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,220
−HK$1,278/mo
Today · 4.125%
HK$49,498
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$98,996/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,273
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,961
−HK$1,715/mo
Today · 4.125%
HK$57,676
baseline
▲ 0.50% · 4.625%
HK$61,186
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,352/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,378
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,997
−HK$1,643/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$66,995
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,860 · Scale 2, in force from 26 Feb 2026)