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$30,683
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$970/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,592
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$928/mo
Today · 4.125%
HK$35,979
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,958/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,820
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,965
−HK$1,164/mo
Today · 4.125%
HK$39,129
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,258/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,962
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,114/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,350/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,957
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,293
−HK$1,358/mo
Today · 4.125%
HK$45,651
baseline
▲ 0.50% · 4.625%
HK$48,428
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,302/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,789
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,071
−HK$1,300/mo
Today · 4.125%
HK$50,371
baseline
▲ 0.50% · 4.625%
HK$53,026
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,742/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,230
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,948
−HK$1,746/mo
Today · 4.125%
HK$58,694
baseline
▲ 0.50% · 4.625%
HK$62,265
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,388/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,443
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,091
−HK$1,672/mo
Today · 4.125%
HK$64,763
baseline
▲ 0.50% · 4.625%
HK$68,176
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,526/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,606 · Scale 2, in force from 26 Feb 2026)