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$31,592
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$999/mo
Today · 4.125%
HK$33,573
baseline
▲ 0.50% · 4.625%
HK$35,615
+HK$2,042/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,146/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$956/mo
Today · 4.125%
HK$37,044
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,088/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,910
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,198/mo
Today · 4.125%
HK$40,287
baseline
▲ 0.50% · 4.625%
HK$42,739
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,574/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,305
−HK$1,148/mo
Today · 4.125%
HK$44,453
baseline
▲ 0.50% · 4.625%
HK$46,796
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,906/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,228
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,604
−HK$1,398/mo
Today · 4.125%
HK$47,002
baseline
▲ 0.50% · 4.625%
HK$49,862
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,004/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,523
−HK$1,339/mo
Today · 4.125%
HK$51,862
baseline
▲ 0.50% · 4.625%
HK$54,595
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,724/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,865
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,634
−HK$1,797/mo
Today · 4.125%
HK$60,431
baseline
▲ 0.50% · 4.625%
HK$64,108
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,862/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,261
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,958
−HK$1,721/mo
Today · 4.125%
HK$66,679
baseline
▲ 0.50% · 4.625%
HK$70,194
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,358/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,540 · Scale 2, in force from 26 Feb 2026)