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$31,399
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$992/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,399
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,931
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,868
−HK$951/mo
Today · 4.125%
HK$36,819
baseline
▲ 0.50% · 4.625%
HK$38,759
+HK$1,940/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,638/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,191/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,042
−HK$1,140/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,959
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,390/mo
Today · 4.125%
HK$46,716
baseline
▲ 0.50% · 4.625%
HK$49,558
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,432/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,904
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,215
−HK$1,331/mo
Today · 4.125%
HK$51,546
baseline
▲ 0.50% · 4.625%
HK$54,263
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,092/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,519
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,277
−HK$1,786/mo
Today · 4.125%
HK$60,063
baseline
▲ 0.50% · 4.625%
HK$63,718
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,126/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,876
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,563
−HK$1,710/mo
Today · 4.125%
HK$66,273
baseline
▲ 0.50% · 4.625%
HK$69,767
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,546/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,377 · Scale 2, in force from 26 Feb 2026)