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$30,809
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$973/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,733
+HK$1,992/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,275
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$933/mo
Today · 4.125%
HK$36,127
baseline
▲ 0.50% · 4.625%
HK$38,031
+HK$1,904/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,254/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,971
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,168/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,680
+HK$2,391/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,130
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,233
−HK$1,119/mo
Today · 4.125%
HK$43,352
baseline
▲ 0.50% · 4.625%
HK$45,637
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,704/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,133
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,363/mo
Today · 4.125%
HK$45,838
baseline
▲ 0.50% · 4.625%
HK$48,627
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,676/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,985
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,305/mo
Today · 4.125%
HK$50,577
baseline
▲ 0.50% · 4.625%
HK$53,243
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,154/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,182
−HK$1,752/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,520
+HK$3,586/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,695
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,349
−HK$1,679/mo
Today · 4.125%
HK$65,028
baseline
▲ 0.50% · 4.625%
HK$68,456
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,056/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,673 · Scale 2, in force from 26 Feb 2026)