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$30,376
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$960/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,793
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,699
−HK$919/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,496
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,451
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$1,151/mo
Today · 4.125%
HK$38,736
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,358/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,472/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,551
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,639
−HK$1,103/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,526
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,849
−HK$1,344/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,942
+HK$2,749/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,386/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,310
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,578
−HK$1,288/mo
Today · 4.125%
HK$49,866
baseline
▲ 0.50% · 4.625%
HK$52,494
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,732/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,676
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,377
−HK$1,728/mo
Today · 4.125%
HK$58,105
baseline
▲ 0.50% · 4.625%
HK$61,640
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,210/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,827
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,458
−HK$1,655/mo
Today · 4.125%
HK$64,113
baseline
▲ 0.50% · 4.625%
HK$67,492
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,226/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,543 · Scale 2, in force from 26 Feb 2026)