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$30,654
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,608
−HK$968/mo
Today · 4.125%
HK$32,576
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,152/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,102
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$928/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,785
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,163/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,470
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,923
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,114/mo
Today · 4.125%
HK$43,134
baseline
▲ 0.50% · 4.625%
HK$45,407
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,268/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,916
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,251
−HK$1,356/mo
Today · 4.125%
HK$45,607
baseline
▲ 0.50% · 4.625%
HK$48,382
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,214/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,743
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,024
−HK$1,299/mo
Today · 4.125%
HK$50,323
baseline
▲ 0.50% · 4.625%
HK$52,975
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,646/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,177
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,894
−HK$1,743/mo
Today · 4.125%
HK$58,637
baseline
▲ 0.50% · 4.625%
HK$62,205
+HK$3,568/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,274/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,384
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,030
−HK$1,671/mo
Today · 4.125%
HK$64,701
baseline
▲ 0.50% · 4.625%
HK$68,111
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,402/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,122 · Scale 2, in force from 26 Feb 2026)