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$30,530
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$965/mo
Today · 4.125%
HK$32,445
baseline
▲ 0.50% · 4.625%
HK$34,419
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,890/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,964
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$924/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,686
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,636
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,157/mo
Today · 4.125%
HK$38,933
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,369/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,866/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,757
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,109/mo
Today · 4.125%
HK$42,959
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,918/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,742
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,350/mo
Today · 4.125%
HK$45,422
baseline
▲ 0.50% · 4.625%
HK$48,186
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,844/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,550
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,825
−HK$1,294/mo
Today · 4.125%
HK$50,119
baseline
▲ 0.50% · 4.625%
HK$52,761
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,238/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,954
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,663
−HK$1,737/mo
Today · 4.125%
HK$58,400
baseline
▲ 0.50% · 4.625%
HK$61,954
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,800/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,136
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,776
−HK$1,663/mo
Today · 4.125%
HK$64,439
baseline
▲ 0.50% · 4.625%
HK$67,836
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,878/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,083 · Scale 2, in force from 26 Feb 2026)