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$30,505
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,454
−HK$964/mo
Today · 4.125%
HK$32,418
baseline
▲ 0.50% · 4.625%
HK$34,391
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,836/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,937
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,847
−HK$923/mo
Today · 4.125%
HK$35,770
baseline
▲ 0.50% · 4.625%
HK$37,656
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,540/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,606
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,745
−HK$1,157/mo
Today · 4.125%
HK$38,902
baseline
▲ 0.50% · 4.625%
HK$41,269
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,804/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,724
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,817
−HK$1,108/mo
Today · 4.125%
HK$42,925
baseline
▲ 0.50% · 4.625%
HK$45,187
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,850/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,708
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,350/mo
Today · 4.125%
HK$45,386
baseline
▲ 0.50% · 4.625%
HK$48,147
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,772/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,786
−HK$1,293/mo
Today · 4.125%
HK$50,079
baseline
▲ 0.50% · 4.625%
HK$52,718
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,158/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,735/mo
Today · 4.125%
HK$58,353
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,706/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,725
−HK$1,662/mo
Today · 4.125%
HK$64,387
baseline
▲ 0.50% · 4.625%
HK$67,781
+HK$3,394/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,774/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,678 · Scale 2, in force from 26 Feb 2026)