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$30,480
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$963/mo
Today · 4.125%
HK$32,391
baseline
▲ 0.50% · 4.625%
HK$34,362
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,782/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,908
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$922/mo
Today · 4.125%
HK$35,740
baseline
▲ 0.50% · 4.625%
HK$37,624
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,480/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,713
−HK$1,156/mo
Today · 4.125%
HK$38,869
baseline
▲ 0.50% · 4.625%
HK$41,234
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,738/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,690
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,781
−HK$1,107/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,149
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,672
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,999
−HK$1,349/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,472
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,745
−HK$1,292/mo
Today · 4.125%
HK$50,037
baseline
▲ 0.50% · 4.625%
HK$52,674
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,074/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,864
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,570
−HK$1,734/mo
Today · 4.125%
HK$58,304
baseline
▲ 0.50% · 4.625%
HK$61,852
+HK$3,548/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,608/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,035
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,672
−HK$1,661/mo
Today · 4.125%
HK$64,333
baseline
▲ 0.50% · 4.625%
HK$67,724
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,666/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,256 · Scale 2, in force from 26 Feb 2026)