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$30,681
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$969/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$929/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$37,872
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,817
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,163/mo
Today · 4.125%
HK$39,125
baseline
▲ 0.50% · 4.625%
HK$41,506
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,250/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,114/mo
Today · 4.125%
HK$43,171
baseline
▲ 0.50% · 4.625%
HK$45,447
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,342/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,289
−HK$1,357/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,778/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,066
−HK$1,300/mo
Today · 4.125%
HK$50,366
baseline
▲ 0.50% · 4.625%
HK$53,021
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,732/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,225
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,943
−HK$1,745/mo
Today · 4.125%
HK$58,688
baseline
▲ 0.50% · 4.625%
HK$62,259
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,376/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,437
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,085
−HK$1,672/mo
Today · 4.125%
HK$64,757
baseline
▲ 0.50% · 4.625%
HK$68,170
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,514/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,558 · Scale 2, in force from 26 Feb 2026)