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$30,421
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$961/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$921/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,506
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,641
−HK$1,154/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$41,155
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,612
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,701
−HK$1,105/mo
Today · 4.125%
HK$42,806
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,612/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,590
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,346/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,381
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,289/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,758
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,462
−HK$1,730/mo
Today · 4.125%
HK$58,192
baseline
▲ 0.50% · 4.625%
HK$61,733
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,384/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,918
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,552
−HK$1,657/mo
Today · 4.125%
HK$64,209
baseline
▲ 0.50% · 4.625%
HK$67,594
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,418/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,295 · Scale 2, in force from 26 Feb 2026)