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$30,383
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,328
−HK$960/mo
Today · 4.125%
HK$32,288
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,576/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,801
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,707
−HK$920/mo
Today · 4.125%
HK$35,627
baseline
▲ 0.50% · 4.625%
HK$37,505
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,254/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$1,152/mo
Today · 4.125%
HK$38,746
baseline
▲ 0.50% · 4.625%
HK$41,104
+HK$2,358/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,492/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,561
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,649
−HK$1,104/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,006
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,536
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,860
−HK$1,344/mo
Today · 4.125%
HK$45,204
baseline
▲ 0.50% · 4.625%
HK$47,954
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,408/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,321
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,590
−HK$1,288/mo
Today · 4.125%
HK$49,878
baseline
▲ 0.50% · 4.625%
HK$52,507
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,756/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,690
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,391
−HK$1,728/mo
Today · 4.125%
HK$58,119
baseline
▲ 0.50% · 4.625%
HK$61,656
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,238/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,842
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,473
−HK$1,656/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$67,509
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,667 · Scale 2, in force from 26 Feb 2026)