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$31,555
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$997/mo
Today · 4.125%
HK$33,534
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,068/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,105
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$955/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,866
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,197/mo
Today · 4.125%
HK$40,241
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,482/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,126
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,256
−HK$1,146/mo
Today · 4.125%
HK$44,402
baseline
▲ 0.50% · 4.625%
HK$46,742
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,804/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,178
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,396/mo
Today · 4.125%
HK$46,948
baseline
▲ 0.50% · 4.625%
HK$49,804
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,896/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,147
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,465
−HK$1,337/mo
Today · 4.125%
HK$51,802
baseline
▲ 0.50% · 4.625%
HK$54,533
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,604/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,800
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,566
−HK$1,795/mo
Today · 4.125%
HK$60,361
baseline
▲ 0.50% · 4.625%
HK$64,034
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,722/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,189
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,884
−HK$1,719/mo
Today · 4.125%
HK$66,603
baseline
▲ 0.50% · 4.625%
HK$70,114
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,206/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,945 · Scale 2, in force from 26 Feb 2026)