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$31,349
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,324
−HK$991/mo
Today · 4.125%
HK$33,315
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,630/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$949/mo
Today · 4.125%
HK$36,760
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,520/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,619
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,189/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,851
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,139/mo
Today · 4.125%
HK$44,112
baseline
▲ 0.50% · 4.625%
HK$46,437
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,224/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,889
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,254
−HK$1,387/mo
Today · 4.125%
HK$46,641
baseline
▲ 0.50% · 4.625%
HK$49,479
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,282/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,826
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,135
−HK$1,329/mo
Today · 4.125%
HK$51,464
baseline
▲ 0.50% · 4.625%
HK$54,176
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,928/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,428
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,183
−HK$1,784/mo
Today · 4.125%
HK$59,967
baseline
▲ 0.50% · 4.625%
HK$63,616
+HK$3,649/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,934/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,776
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,459
−HK$1,708/mo
Today · 4.125%
HK$66,167
baseline
▲ 0.50% · 4.625%
HK$69,655
+HK$3,488/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,334/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,551 · Scale 2, in force from 26 Feb 2026)