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$30,389
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$960/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,808
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$920/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,513
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,467
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$1,152/mo
Today · 4.125%
HK$38,754
baseline
▲ 0.50% · 4.625%
HK$41,112
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,508/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,570
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,658
−HK$1,103/mo
Today · 4.125%
HK$42,761
baseline
▲ 0.50% · 4.625%
HK$45,015
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,522/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,869
−HK$1,344/mo
Today · 4.125%
HK$45,213
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,426/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,331
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,287/mo
Today · 4.125%
HK$49,888
baseline
▲ 0.50% · 4.625%
HK$52,518
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,776/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,701
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,403
−HK$1,728/mo
Today · 4.125%
HK$58,131
baseline
▲ 0.50% · 4.625%
HK$61,668
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,262/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,854
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,486
−HK$1,656/mo
Today · 4.125%
HK$64,142
baseline
▲ 0.50% · 4.625%
HK$67,523
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,284/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,771 · Scale 2, in force from 26 Feb 2026)