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$31,467
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$994/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,475
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,006
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,945
−HK$953/mo
Today · 4.125%
HK$36,898
baseline
▲ 0.50% · 4.625%
HK$38,843
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,796/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,935
−HK$1,193/mo
Today · 4.125%
HK$40,128
baseline
▲ 0.50% · 4.625%
HK$42,570
+HK$2,442/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,256/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,008
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,143/mo
Today · 4.125%
HK$44,277
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,554/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,053
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,424
−HK$1,392/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,665
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,334/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,640
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,402
−HK$1,790/mo
Today · 4.125%
HK$60,192
baseline
▲ 0.50% · 4.625%
HK$63,855
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,384/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,012
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,702
−HK$1,714/mo
Today · 4.125%
HK$66,416
baseline
▲ 0.50% · 4.625%
HK$69,917
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,832/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,488 · Scale 2, in force from 26 Feb 2026)