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$30,754
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,711
−HK$972/mo
Today · 4.125%
HK$32,683
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,366/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,214
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,132
−HK$931/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$37,963
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,905
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,167/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,117/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,281/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,056
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,396
−HK$1,360/mo
Today · 4.125%
HK$45,756
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,512/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,900
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,184
−HK$1,304/mo
Today · 4.125%
HK$50,488
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,976/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,358
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,080
−HK$1,750/mo
Today · 4.125%
HK$58,830
baseline
▲ 0.50% · 4.625%
HK$62,409
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,660/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,585
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,237
−HK$1,676/mo
Today · 4.125%
HK$64,913
baseline
▲ 0.50% · 4.625%
HK$68,334
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,826/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,774 · Scale 2, in force from 26 Feb 2026)