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$30,579
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$967/mo
Today · 4.125%
HK$32,497
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,977/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$64,994/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,931
−HK$926/mo
Today · 4.125%
HK$35,857
baseline
▲ 0.50% · 4.625%
HK$37,747
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,714/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,695
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,836
−HK$1,160/mo
Today · 4.125%
HK$38,996
baseline
▲ 0.50% · 4.625%
HK$41,369
+HK$2,373/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$77,992/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,823
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,917
−HK$1,111/mo
Today · 4.125%
HK$43,028
baseline
▲ 0.50% · 4.625%
HK$45,296
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$86,056/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,811
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,142
−HK$1,353/mo
Today · 4.125%
HK$45,495
baseline
▲ 0.50% · 4.625%
HK$48,263
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,990/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,626
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,295/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,042
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,754
−HK$1,740/mo
Today · 4.125%
HK$58,494
baseline
▲ 0.50% · 4.625%
HK$62,053
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,988/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,234
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,876
−HK$1,666/mo
Today · 4.125%
HK$64,542
baseline
▲ 0.50% · 4.625%
HK$67,944
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,084/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,888 · Scale 2, in force from 26 Feb 2026)