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$31,473
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$995/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,482
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,014
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$952/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$38,851
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,768
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,943
−HK$1,193/mo
Today · 4.125%
HK$40,136
baseline
▲ 0.50% · 4.625%
HK$42,579
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,272/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,016
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,143
−HK$1,143/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,621
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,063
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,433
−HK$1,393/mo
Today · 4.125%
HK$46,826
baseline
▲ 0.50% · 4.625%
HK$49,675
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,652/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,019
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,334
−HK$1,334/mo
Today · 4.125%
HK$51,668
baseline
▲ 0.50% · 4.625%
HK$54,391
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,336/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,652
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,414
−HK$1,790/mo
Today · 4.125%
HK$60,204
baseline
▲ 0.50% · 4.625%
HK$63,868
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,408/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,025
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,715
−HK$1,715/mo
Today · 4.125%
HK$66,430
baseline
▲ 0.50% · 4.625%
HK$69,931
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,860/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,595 · Scale 2, in force from 26 Feb 2026)