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$30,607
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$967/mo
Today · 4.125%
HK$32,526
baseline
▲ 0.50% · 4.625%
HK$34,506
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,052/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$927/mo
Today · 4.125%
HK$35,890
baseline
▲ 0.50% · 4.625%
HK$37,782
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,780/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,729
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,161/mo
Today · 4.125%
HK$39,032
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,064/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,860
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,956
−HK$1,112/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,338
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,850
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,354/mo
Today · 4.125%
HK$45,537
baseline
▲ 0.50% · 4.625%
HK$48,308
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,074/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,670
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,949
−HK$1,297/mo
Today · 4.125%
HK$50,246
baseline
▲ 0.50% · 4.625%
HK$52,894
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,492/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,093
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,807
−HK$1,741/mo
Today · 4.125%
HK$58,548
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,096/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,290
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,668/mo
Today · 4.125%
HK$64,602
baseline
▲ 0.50% · 4.625%
HK$68,007
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,204/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,350 · Scale 2, in force from 26 Feb 2026)