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$31,075
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$982/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$940/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,359
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,290
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,178/mo
Today · 4.125%
HK$39,628
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,256/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,485
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,597
−HK$1,129/mo
Today · 4.125%
HK$43,726
baseline
▲ 0.50% · 4.625%
HK$46,031
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,452/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,858
−HK$1,375/mo
Today · 4.125%
HK$46,233
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,466/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,317/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$53,703
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,935
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,675
−HK$1,768/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$63,060
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,227
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,896
−HK$1,693/mo
Today · 4.125%
HK$65,589
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,178/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,045 · Scale 2, in force from 26 Feb 2026)