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$30,587
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$967/mo
Today · 4.125%
HK$32,505
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,977/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,010/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$926/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,846
−HK$1,159/mo
Today · 4.125%
HK$39,005
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,010/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,833
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,928
−HK$1,111/mo
Today · 4.125%
HK$43,039
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,268/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,078/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,821
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,153
−HK$1,353/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,638
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,296/mo
Today · 4.125%
HK$50,212
baseline
▲ 0.50% · 4.625%
HK$52,859
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,424/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,056
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,768
−HK$1,740/mo
Today · 4.125%
HK$58,508
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,560/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,016/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,249
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,892
−HK$1,666/mo
Today · 4.125%
HK$64,558
baseline
▲ 0.50% · 4.625%
HK$67,961
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,116/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,011 · Scale 2, in force from 26 Feb 2026)