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$30,508
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$964/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$924/mo
Today · 4.125%
HK$35,774
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,548/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,610
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,157/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$41,273
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,728
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,108/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,191
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,711
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,350/mo
Today · 4.125%
HK$45,390
baseline
▲ 0.50% · 4.625%
HK$48,152
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,780/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,516
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,790
−HK$1,293/mo
Today · 4.125%
HK$50,083
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,166/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,915
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,735/mo
Today · 4.125%
HK$58,358
baseline
▲ 0.50% · 4.625%
HK$61,909
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,716/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,092
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,730
−HK$1,662/mo
Today · 4.125%
HK$64,392
baseline
▲ 0.50% · 4.625%
HK$67,787
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,784/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,722 · Scale 2, in force from 26 Feb 2026)