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$30,594
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,545
−HK$967/mo
Today · 4.125%
HK$32,512
baseline
▲ 0.50% · 4.625%
HK$34,490
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,024/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,035
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,948
−HK$926/mo
Today · 4.125%
HK$35,874
baseline
▲ 0.50% · 4.625%
HK$37,765
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,748/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,712
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,160/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,842
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,112/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,318
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,831
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,163
−HK$1,354/mo
Today · 4.125%
HK$45,517
baseline
▲ 0.50% · 4.625%
HK$48,286
+HK$2,769/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,034/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,649
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,927
−HK$1,296/mo
Today · 4.125%
HK$50,223
baseline
▲ 0.50% · 4.625%
HK$52,871
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,446/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,781
−HK$1,741/mo
Today · 4.125%
HK$58,522
baseline
▲ 0.50% · 4.625%
HK$62,083
+HK$3,561/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,044/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,263
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,906
−HK$1,667/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$67,977
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,127 · Scale 2, in force from 26 Feb 2026)