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$30,628
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$968/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$927/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,162/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,887
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,112/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,879
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,355/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$48,340
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,702
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,981
−HK$1,298/mo
Today · 4.125%
HK$50,279
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,558/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,130
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,844
−HK$1,743/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$62,151
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,331
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,976
−HK$1,669/mo
Today · 4.125%
HK$64,645
baseline
▲ 0.50% · 4.625%
HK$68,052
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,290/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,686 · Scale 2, in force from 26 Feb 2026)