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$31,243
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$987/mo
Today · 4.125%
HK$33,202
baseline
▲ 0.50% · 4.625%
HK$35,222
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,404/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,690
−HK$945/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,566
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,185/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,134/mo
Today · 4.125%
HK$43,962
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,924/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,740
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,382/mo
Today · 4.125%
HK$46,483
baseline
▲ 0.50% · 4.625%
HK$49,311
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,966/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,660
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,965
−HK$1,324/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$53,993
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,237
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,987
−HK$1,777/mo
Today · 4.125%
HK$59,764
baseline
▲ 0.50% · 4.625%
HK$63,400
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,528/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,563
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,702/mo
Today · 4.125%
HK$65,943
baseline
▲ 0.50% · 4.625%
HK$69,419
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,886/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,806 · Scale 2, in force from 26 Feb 2026)