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$30,839
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$975/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,308
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$933/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,006
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,169/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,121/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,517
−HK$1,365/mo
Today · 4.125%
HK$45,882
baseline
▲ 0.50% · 4.625%
HK$48,673
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,764/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,031
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,319
−HK$1,307/mo
Today · 4.125%
HK$50,626
baseline
▲ 0.50% · 4.625%
HK$53,294
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,252/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,510
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,236
−HK$1,755/mo
Today · 4.125%
HK$58,991
baseline
▲ 0.50% · 4.625%
HK$62,580
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,982/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,754
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,410
−HK$1,680/mo
Today · 4.125%
HK$65,090
baseline
▲ 0.50% · 4.625%
HK$68,521
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,180/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,159 · Scale 2, in force from 26 Feb 2026)