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$30,735
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$971/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$930/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,029
−HK$1,165/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,131
−HK$1,116/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,527
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,028
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,367
−HK$1,360/mo
Today · 4.125%
HK$45,727
baseline
▲ 0.50% · 4.625%
HK$48,509
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,454/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,869
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,152
−HK$1,303/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,322
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,043
−HK$1,748/mo
Today · 4.125%
HK$58,791
baseline
▲ 0.50% · 4.625%
HK$62,369
+HK$3,578/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,582/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,545
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,196
−HK$1,674/mo
Today · 4.125%
HK$64,870
baseline
▲ 0.50% · 4.625%
HK$68,290
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,740/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,445 · Scale 2, in force from 26 Feb 2026)