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$30,559
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$965/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,908
−HK$925/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,812
−HK$1,158/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,796
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,890
−HK$1,110/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,267
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,113
−HK$1,353/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,872
−HK$1,295/mo
Today · 4.125%
HK$50,167
baseline
▲ 0.50% · 4.625%
HK$52,811
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,334/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,006
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,717
−HK$1,739/mo
Today · 4.125%
HK$58,456
baseline
▲ 0.50% · 4.625%
HK$62,013
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,912/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,194
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,835
−HK$1,665/mo
Today · 4.125%
HK$64,500
baseline
▲ 0.50% · 4.625%
HK$67,900
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,000/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,560 · Scale 2, in force from 26 Feb 2026)