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$30,426
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$961/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$921/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,512
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$1,154/mo
Today · 4.125%
HK$38,801
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,602/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,619
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,708
−HK$1,105/mo
Today · 4.125%
HK$42,813
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,626/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,597
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,922
−HK$1,346/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,389
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,289/mo
Today · 4.125%
HK$49,949
baseline
▲ 0.50% · 4.625%
HK$52,582
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,898/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,767
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,471
−HK$1,731/mo
Today · 4.125%
HK$58,202
baseline
▲ 0.50% · 4.625%
HK$61,743
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,404/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,928
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,562
−HK$1,658/mo
Today · 4.125%
HK$64,220
baseline
▲ 0.50% · 4.625%
HK$67,605
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,440/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,377 · Scale 2, in force from 26 Feb 2026)