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$30,666
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$969/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,116
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,031
−HK$928/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$37,855
+HK$1,896/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,163/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,037
−HK$1,114/mo
Today · 4.125%
HK$43,151
baseline
▲ 0.50% · 4.625%
HK$45,426
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,302/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,933
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,357/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,401
+HK$2,776/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,763
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,044
−HK$1,299/mo
Today · 4.125%
HK$50,343
baseline
▲ 0.50% · 4.625%
HK$52,997
+HK$2,654/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,686/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,200
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,917
−HK$1,744/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$62,230
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,409
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,056
−HK$1,671/mo
Today · 4.125%
HK$64,727
baseline
▲ 0.50% · 4.625%
HK$68,139
+HK$3,412/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,454/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,326 · Scale 2, in force from 26 Feb 2026)