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$30,578
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,529
−HK$966/mo
Today · 4.125%
HK$32,495
baseline
▲ 0.50% · 4.625%
HK$34,473
+HK$1,978/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,990/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,018
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,930
−HK$925/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,835
−HK$1,159/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,367
+HK$2,373/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,821
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,916
−HK$1,110/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,809
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,352/mo
Today · 4.125%
HK$45,493
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,986/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,625
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,296/mo
Today · 4.125%
HK$50,198
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,396/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,040
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,752
−HK$1,740/mo
Today · 4.125%
HK$58,492
baseline
▲ 0.50% · 4.625%
HK$62,051
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,984/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,874
−HK$1,666/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$67,942
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,869 · Scale 2, in force from 26 Feb 2026)