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$30,520
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$964/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$924/mo
Today · 4.125%
HK$35,788
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,576/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,624
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,764
−HK$1,157/mo
Today · 4.125%
HK$38,921
baseline
▲ 0.50% · 4.625%
HK$41,289
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,842/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,744
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,837
−HK$1,109/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,209
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,350/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$48,171
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,810
−HK$1,293/mo
Today · 4.125%
HK$50,103
baseline
▲ 0.50% · 4.625%
HK$52,744
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,206/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,937
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,645
−HK$1,737/mo
Today · 4.125%
HK$58,382
baseline
▲ 0.50% · 4.625%
HK$61,934
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,764/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,116
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,756
−HK$1,662/mo
Today · 4.125%
HK$64,418
baseline
▲ 0.50% · 4.625%
HK$67,814
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,836/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,923 · Scale 2, in force from 26 Feb 2026)