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$30,611
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$967/mo
Today · 4.125%
HK$32,530
baseline
▲ 0.50% · 4.625%
HK$34,510
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,060/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$927/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,875
−HK$1,161/mo
Today · 4.125%
HK$39,036
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,072/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,112/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,343
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,855
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,188
−HK$1,354/mo
Today · 4.125%
HK$45,542
baseline
▲ 0.50% · 4.625%
HK$48,314
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,084/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,676
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,954
−HK$1,298/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$52,900
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,099
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,813
−HK$1,741/mo
Today · 4.125%
HK$58,554
baseline
▲ 0.50% · 4.625%
HK$62,117
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,108/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,297
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,941
−HK$1,668/mo
Today · 4.125%
HK$64,609
baseline
▲ 0.50% · 4.625%
HK$68,015
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,218/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,409 · Scale 2, in force from 26 Feb 2026)