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$30,603
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,555
−HK$967/mo
Today · 4.125%
HK$32,522
baseline
▲ 0.50% · 4.625%
HK$34,501
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,044/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,045
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$927/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,723
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,160/mo
Today · 4.125%
HK$39,026
baseline
▲ 0.50% · 4.625%
HK$41,401
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,052/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,854
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,112/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,332
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,844
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,354/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$48,301
+HK$2,770/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,942
−HK$1,297/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$52,887
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,085
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,799
−HK$1,740/mo
Today · 4.125%
HK$58,539
baseline
▲ 0.50% · 4.625%
HK$62,101
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,078/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,282
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,925
−HK$1,668/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$67,997
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,280 · Scale 2, in force from 26 Feb 2026)