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$30,488
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$963/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$922/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,635
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,586
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,724
−HK$1,156/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$41,246
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,702
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,793
−HK$1,108/mo
Today · 4.125%
HK$42,901
baseline
▲ 0.50% · 4.625%
HK$45,162
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,802/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,684
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,349/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$48,120
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,485
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,759
−HK$1,292/mo
Today · 4.125%
HK$50,051
baseline
▲ 0.50% · 4.625%
HK$52,689
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,102/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,879
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,586
−HK$1,734/mo
Today · 4.125%
HK$58,320
baseline
▲ 0.50% · 4.625%
HK$61,869
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,640/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,052
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,690
−HK$1,661/mo
Today · 4.125%
HK$64,351
baseline
▲ 0.50% · 4.625%
HK$67,743
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,702/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,398 · Scale 2, in force from 26 Feb 2026)