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$30,888
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$976/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,362
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$935/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,065
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,172/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,235
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,341
−HK$1,122/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,926/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,243
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,588
−HK$1,367/mo
Today · 4.125%
HK$45,955
baseline
▲ 0.50% · 4.625%
HK$48,751
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,910/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,107
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,397
−HK$1,309/mo
Today · 4.125%
HK$50,706
baseline
▲ 0.50% · 4.625%
HK$53,379
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,412/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,598
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,327
−HK$1,757/mo
Today · 4.125%
HK$59,084
baseline
▲ 0.50% · 4.625%
HK$62,680
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,168/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,511
−HK$1,683/mo
Today · 4.125%
HK$65,194
baseline
▲ 0.50% · 4.625%
HK$68,630
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,388/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,966 · Scale 2, in force from 26 Feb 2026)