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$30,913
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,874
−HK$977/mo
Today · 4.125%
HK$32,851
baseline
▲ 0.50% · 4.625%
HK$34,850
+HK$1,999/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,702/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,390
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,312
−HK$936/mo
Today · 4.125%
HK$36,248
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,496/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,172/mo
Today · 4.125%
HK$39,421
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,842/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,268
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,123/mo
Today · 4.125%
HK$43,498
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,996/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,624
−HK$1,368/mo
Today · 4.125%
HK$45,992
baseline
▲ 0.50% · 4.625%
HK$48,790
+HK$2,798/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,984/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,146
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,437
−HK$1,310/mo
Today · 4.125%
HK$50,747
baseline
▲ 0.50% · 4.625%
HK$53,422
+HK$2,675/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,494/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,374
−HK$1,758/mo
Today · 4.125%
HK$59,132
baseline
▲ 0.50% · 4.625%
HK$62,730
+HK$3,598/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,264/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,902
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,562
−HK$1,685/mo
Today · 4.125%
HK$65,247
baseline
▲ 0.50% · 4.625%
HK$68,686
+HK$3,439/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,494/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,376 · Scale 2, in force from 26 Feb 2026)