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$30,606
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,558
−HK$968/mo
Today · 4.125%
HK$32,526
baseline
▲ 0.50% · 4.625%
HK$34,505
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,052/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,049
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$926/mo
Today · 4.125%
HK$35,889
baseline
▲ 0.50% · 4.625%
HK$37,781
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,778/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,728
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,161/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,406
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,859
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,955
−HK$1,112/mo
Today · 4.125%
HK$43,067
baseline
▲ 0.50% · 4.625%
HK$45,337
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,134/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,182
−HK$1,354/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$48,307
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,669
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,948
−HK$1,296/mo
Today · 4.125%
HK$50,244
baseline
▲ 0.50% · 4.625%
HK$52,893
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,488/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,092
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,805
−HK$1,741/mo
Today · 4.125%
HK$58,546
baseline
▲ 0.50% · 4.625%
HK$62,109
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,092/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,289
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,933
−HK$1,667/mo
Today · 4.125%
HK$64,600
baseline
▲ 0.50% · 4.625%
HK$68,005
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,200/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,339 · Scale 2, in force from 26 Feb 2026)