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$30,398
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$961/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,965/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$920/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,478
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$1,153/mo
Today · 4.125%
HK$38,766
baseline
▲ 0.50% · 4.625%
HK$41,124
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,532/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,582
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,670
−HK$1,104/mo
Today · 4.125%
HK$42,774
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,548/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,558
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,345/mo
Today · 4.125%
HK$45,227
baseline
▲ 0.50% · 4.625%
HK$47,979
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,454/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,345
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,615
−HK$1,288/mo
Today · 4.125%
HK$49,903
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,806/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,717
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,419
−HK$1,729/mo
Today · 4.125%
HK$58,148
baseline
▲ 0.50% · 4.625%
HK$61,687
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,296/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,872
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,505
−HK$1,656/mo
Today · 4.125%
HK$64,161
baseline
▲ 0.50% · 4.625%
HK$67,543
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,322/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,919 · Scale 2, in force from 26 Feb 2026)