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$30,847
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,806
−HK$975/mo
Today · 4.125%
HK$32,781
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,995/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,562/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,237
−HK$934/mo
Today · 4.125%
HK$36,171
baseline
▲ 0.50% · 4.625%
HK$38,077
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,342/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,016
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,168
−HK$1,169/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,731
+HK$2,394/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,180
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,285
−HK$1,120/mo
Today · 4.125%
HK$43,405
baseline
▲ 0.50% · 4.625%
HK$45,693
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,810/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,186
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,365/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,307/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,524
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,251
−HK$1,755/mo
Today · 4.125%
HK$59,006
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,012/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,770
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,427
−HK$1,680/mo
Today · 4.125%
HK$65,107
baseline
▲ 0.50% · 4.625%
HK$68,539
+HK$3,432/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,214/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,292 · Scale 2, in force from 26 Feb 2026)