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$30,643
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$968/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,547
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,091
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$35,005
−HK$927/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,162/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,456
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,909
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,006
−HK$1,113/mo
Today · 4.125%
HK$43,119
baseline
▲ 0.50% · 4.625%
HK$45,392
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,238/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,901
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,235
−HK$1,356/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$48,365
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,727
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,298/mo
Today · 4.125%
HK$50,305
baseline
▲ 0.50% · 4.625%
HK$52,957
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,610/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,158
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,743/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,234/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,363
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,009
−HK$1,669/mo
Today · 4.125%
HK$64,678
baseline
▲ 0.50% · 4.625%
HK$68,088
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,356/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,948 · Scale 2, in force from 26 Feb 2026)