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$30,730
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$971/mo
Today · 4.125%
HK$32,657
baseline
▲ 0.50% · 4.625%
HK$34,644
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,314/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,104
−HK$930/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$37,933
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,876
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,165/mo
Today · 4.125%
HK$39,188
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,376/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,124
−HK$1,117/mo
Today · 4.125%
HK$43,241
baseline
▲ 0.50% · 4.625%
HK$45,520
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,482/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,022
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,360/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,502
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,862
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,145
−HK$1,302/mo
Today · 4.125%
HK$50,447
baseline
▲ 0.50% · 4.625%
HK$53,107
+HK$2,660/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,894/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,314
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,035
−HK$1,748/mo
Today · 4.125%
HK$58,783
baseline
▲ 0.50% · 4.625%
HK$62,360
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,566/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,536
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,187
−HK$1,674/mo
Today · 4.125%
HK$64,861
baseline
▲ 0.50% · 4.625%
HK$68,280
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,722/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,372 · Scale 2, in force from 26 Feb 2026)