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$31,539
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$996/mo
Today · 4.125%
HK$33,516
baseline
▲ 0.50% · 4.625%
HK$35,556
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,032/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,086
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,027
−HK$955/mo
Today · 4.125%
HK$36,982
baseline
▲ 0.50% · 4.625%
HK$38,931
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,964/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,196/mo
Today · 4.125%
HK$40,220
baseline
▲ 0.50% · 4.625%
HK$42,667
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,440/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,104
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,233
−HK$1,145/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$46,718
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,154
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,396/mo
Today · 4.125%
HK$46,923
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,846/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,121
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,337/mo
Today · 4.125%
HK$51,775
baseline
▲ 0.50% · 4.625%
HK$54,504
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,550/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,769
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,794/mo
Today · 4.125%
HK$60,329
baseline
▲ 0.50% · 4.625%
HK$64,000
+HK$3,671/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,658/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,155
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,849
−HK$1,719/mo
Today · 4.125%
HK$66,568
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,136/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,669 · Scale 2, in force from 26 Feb 2026)