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$30,672
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$969/mo
Today · 4.125%
HK$32,595
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,983/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,190/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,037
−HK$928/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,806
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,951
−HK$1,163/mo
Today · 4.125%
HK$39,114
baseline
▲ 0.50% · 4.625%
HK$41,494
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,228/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,946
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,045
−HK$1,114/mo
Today · 4.125%
HK$43,159
baseline
▲ 0.50% · 4.625%
HK$45,434
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,318/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,940
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,276
−HK$1,357/mo
Today · 4.125%
HK$45,633
baseline
▲ 0.50% · 4.625%
HK$48,410
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,266/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,771
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,052
−HK$1,300/mo
Today · 4.125%
HK$50,352
baseline
▲ 0.50% · 4.625%
HK$53,006
+HK$2,654/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,704/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,209
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,926
−HK$1,745/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$62,241
+HK$3,570/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,420
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,067
−HK$1,671/mo
Today · 4.125%
HK$64,738
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,412/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,476/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,413 · Scale 2, in force from 26 Feb 2026)