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$31,226
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$986/mo
Today · 4.125%
HK$33,184
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,368/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,739
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$945/mo
Today · 4.125%
HK$36,616
baseline
▲ 0.50% · 4.625%
HK$38,546
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,232/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,184/mo
Today · 4.125%
HK$39,821
baseline
▲ 0.50% · 4.625%
HK$42,244
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,642/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,687
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,805
−HK$1,134/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,255
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,717
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,077
−HK$1,381/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$49,285
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,939
−HK$1,323/mo
Today · 4.125%
HK$51,262
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,524/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,207
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,776/mo
Today · 4.125%
HK$59,732
baseline
▲ 0.50% · 4.625%
HK$63,366
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,464/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,530
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,207
−HK$1,701/mo
Today · 4.125%
HK$65,908
baseline
▲ 0.50% · 4.625%
HK$69,382
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,816/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,531 · Scale 2, in force from 26 Feb 2026)