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$30,622
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$968/mo
Today · 4.125%
HK$32,542
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,084/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$927/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,746
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,889
−HK$1,161/mo
Today · 4.125%
HK$39,050
baseline
▲ 0.50% · 4.625%
HK$41,426
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,100/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,879
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,976
−HK$1,112/mo
Today · 4.125%
HK$43,088
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,176/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,870
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,204
−HK$1,355/mo
Today · 4.125%
HK$45,559
baseline
▲ 0.50% · 4.625%
HK$48,331
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,118/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,693
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,297/mo
Today · 4.125%
HK$50,269
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,538/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,119
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,833
−HK$1,742/mo
Today · 4.125%
HK$58,575
baseline
▲ 0.50% · 4.625%
HK$62,139
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,150/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,319
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,668/mo
Today · 4.125%
HK$64,632
baseline
▲ 0.50% · 4.625%
HK$68,039
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,264/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,589 · Scale 2, in force from 26 Feb 2026)