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$30,726
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$971/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,183
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,099
−HK$931/mo
Today · 4.125%
HK$36,030
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,060/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,872
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,165/mo
Today · 4.125%
HK$39,184
baseline
▲ 0.50% · 4.625%
HK$41,568
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,368/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,019
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,119
−HK$1,116/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,514
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,355
−HK$1,359/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,856
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,139
−HK$1,302/mo
Today · 4.125%
HK$50,441
baseline
▲ 0.50% · 4.625%
HK$53,100
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,882/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,307
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,028
−HK$1,748/mo
Today · 4.125%
HK$58,776
baseline
▲ 0.50% · 4.625%
HK$62,352
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,552/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,529
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,179
−HK$1,674/mo
Today · 4.125%
HK$64,853
baseline
▲ 0.50% · 4.625%
HK$68,272
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,706/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,311 · Scale 2, in force from 26 Feb 2026)