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$31,677
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$1,001/mo
Today · 4.125%
HK$33,663
baseline
▲ 0.50% · 4.625%
HK$35,712
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,326/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,240
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,185
−HK$959/mo
Today · 4.125%
HK$37,144
baseline
▲ 0.50% · 4.625%
HK$39,102
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,288/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,012
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,195
−HK$1,201/mo
Today · 4.125%
HK$40,396
baseline
▲ 0.50% · 4.625%
HK$42,854
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,792/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,288
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,423
−HK$1,150/mo
Today · 4.125%
HK$44,573
baseline
▲ 0.50% · 4.625%
HK$46,923
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,146/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,348
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,727
−HK$1,402/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,996
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,336
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,660
−HK$1,342/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$54,743
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,019
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,792
−HK$1,802/mo
Today · 4.125%
HK$60,594
baseline
▲ 0.50% · 4.625%
HK$64,281
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,188/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,134
−HK$1,726/mo
Today · 4.125%
HK$66,860
baseline
▲ 0.50% · 4.625%
HK$70,384
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,720/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,945 · Scale 2, in force from 26 Feb 2026)