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$1,919/mo
▼ 0.25% · 3.875%
HK$31,567
−HK$967/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,514
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,058
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$927/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$1,892/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$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,738
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,161/mo
Today · 4.125%
HK$39,041
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,082/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,870
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,112/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,194
−HK$1,354/mo
Today · 4.125%
HK$45,548
baseline
▲ 0.50% · 4.625%
HK$48,320
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,096/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,682
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,961
−HK$1,297/mo
Today · 4.125%
HK$50,258
baseline
▲ 0.50% · 4.625%
HK$52,907
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,516/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,106
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,820
−HK$1,742/mo
Today · 4.125%
HK$58,562
baseline
▲ 0.50% · 4.625%
HK$62,125
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,124/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,305
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,949
−HK$1,668/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,023
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,474 · Scale 2, in force from 26 Feb 2026)