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$30,590
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$967/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,031
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,944
−HK$926/mo
Today · 4.125%
HK$35,870
baseline
▲ 0.50% · 4.625%
HK$37,760
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,740/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,708
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,850
−HK$1,160/mo
Today · 4.125%
HK$39,010
baseline
▲ 0.50% · 4.625%
HK$41,383
+HK$2,373/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,020/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,837
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,932
−HK$1,112/mo
Today · 4.125%
HK$43,044
baseline
▲ 0.50% · 4.625%
HK$45,312
+HK$2,268/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,088/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,826
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,353/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$48,281
+HK$2,770/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,643
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,921
−HK$1,296/mo
Today · 4.125%
HK$50,217
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,434/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,062
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,775
−HK$1,740/mo
Today · 4.125%
HK$58,515
baseline
▲ 0.50% · 4.625%
HK$62,075
+HK$3,560/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,030/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,256
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,899
−HK$1,666/mo
Today · 4.125%
HK$64,565
baseline
▲ 0.50% · 4.625%
HK$67,969
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,130/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,068 · Scale 2, in force from 26 Feb 2026)