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$30,702
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,657
−HK$970/mo
Today · 4.125%
HK$32,627
baseline
▲ 0.50% · 4.625%
HK$34,612
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,254/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,155
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$930/mo
Today · 4.125%
HK$36,001
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,002/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,842
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,988
−HK$1,164/mo
Today · 4.125%
HK$39,152
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,304/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,986
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,086
−HK$1,115/mo
Today · 4.125%
HK$43,201
baseline
▲ 0.50% · 4.625%
HK$45,478
+HK$2,277/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,402/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,319
−HK$1,359/mo
Today · 4.125%
HK$45,678
baseline
▲ 0.50% · 4.625%
HK$48,457
+HK$2,779/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,356/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,817
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,100
−HK$1,301/mo
Today · 4.125%
HK$50,401
baseline
▲ 0.50% · 4.625%
HK$53,058
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,802/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,263
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,982
−HK$1,746/mo
Today · 4.125%
HK$58,728
baseline
▲ 0.50% · 4.625%
HK$62,302
+HK$3,574/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,456/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,480
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,128
−HK$1,673/mo
Today · 4.125%
HK$64,801
baseline
▲ 0.50% · 4.625%
HK$68,217
+HK$3,416/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,602/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,905 · Scale 2, in force from 26 Feb 2026)