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$30,615
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$967/mo
Today · 4.125%
HK$32,535
baseline
▲ 0.50% · 4.625%
HK$34,515
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,070/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,059
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$926/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$37,792
+HK$1,893/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,738
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,881
−HK$1,161/mo
Today · 4.125%
HK$39,042
baseline
▲ 0.50% · 4.625%
HK$41,418
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,084/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,871
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,967
−HK$1,112/mo
Today · 4.125%
HK$43,079
baseline
▲ 0.50% · 4.625%
HK$45,350
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,158/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,861
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,195
−HK$1,354/mo
Today · 4.125%
HK$45,549
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,098/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,683
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,962
−HK$1,297/mo
Today · 4.125%
HK$50,259
baseline
▲ 0.50% · 4.625%
HK$52,908
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,518/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,107
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,822
−HK$1,741/mo
Today · 4.125%
HK$58,563
baseline
▲ 0.50% · 4.625%
HK$62,127
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,126/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,306
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,951
−HK$1,668/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,025
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,484 · Scale 2, in force from 26 Feb 2026)