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$30,416
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$962/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$921/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,500
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,635
−HK$1,153/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$41,149
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,105/mo
Today · 4.125%
HK$42,799
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,598/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,583
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,346/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$48,007
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,373
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,289/mo
Today · 4.125%
HK$49,932
baseline
▲ 0.50% · 4.625%
HK$52,564
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,864/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,749
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,731/mo
Today · 4.125%
HK$58,183
baseline
▲ 0.50% · 4.625%
HK$61,723
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,366/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,908
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,542
−HK$1,657/mo
Today · 4.125%
HK$64,199
baseline
▲ 0.50% · 4.625%
HK$67,583
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,398/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,212 · Scale 2, in force from 26 Feb 2026)