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$30,389
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,334
−HK$960/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,807
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$920/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,466
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$1,152/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,569
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,657
−HK$1,103/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,014
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,544
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,344/mo
Today · 4.125%
HK$45,212
baseline
▲ 0.50% · 4.625%
HK$47,963
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,424/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,330
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,599
−HK$1,288/mo
Today · 4.125%
HK$49,887
baseline
▲ 0.50% · 4.625%
HK$52,517
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,774/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,700
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,401
−HK$1,729/mo
Today · 4.125%
HK$58,130
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,260/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,853
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,485
−HK$1,656/mo
Today · 4.125%
HK$64,141
baseline
▲ 0.50% · 4.625%
HK$67,521
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,282/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,759 · Scale 2, in force from 26 Feb 2026)