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$30,733
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$971/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,647
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,190
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$930/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$37,936
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,879
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,026
−HK$1,166/mo
Today · 4.125%
HK$39,192
baseline
▲ 0.50% · 4.625%
HK$41,576
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,384/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,028
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,128
−HK$1,116/mo
Today · 4.125%
HK$43,244
baseline
▲ 0.50% · 4.625%
HK$45,524
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,488/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,026
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,364
−HK$1,360/mo
Today · 4.125%
HK$45,724
baseline
▲ 0.50% · 4.625%
HK$48,506
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,448/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,866
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,149
−HK$1,303/mo
Today · 4.125%
HK$50,452
baseline
▲ 0.50% · 4.625%
HK$53,111
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,904/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,319
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,039
−HK$1,749/mo
Today · 4.125%
HK$58,788
baseline
▲ 0.50% · 4.625%
HK$62,365
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,576/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,541
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,192
−HK$1,674/mo
Today · 4.125%
HK$64,866
baseline
▲ 0.50% · 4.625%
HK$68,285
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,732/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,413 · Scale 2, in force from 26 Feb 2026)