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$31,192
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,162
−HK$986/mo
Today · 4.125%
HK$33,148
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,296/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,701
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,632
−HK$944/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,504
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,595
−HK$1,183/mo
Today · 4.125%
HK$39,778
baseline
▲ 0.50% · 4.625%
HK$42,198
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,556/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,641
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,758
−HK$1,133/mo
Today · 4.125%
HK$43,891
baseline
▲ 0.50% · 4.625%
HK$46,204
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,782/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,027
−HK$1,380/mo
Today · 4.125%
HK$46,407
baseline
▲ 0.50% · 4.625%
HK$49,231
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,814/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,581
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,884
−HK$1,322/mo
Today · 4.125%
HK$51,206
baseline
▲ 0.50% · 4.625%
HK$53,905
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,412/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,892
−HK$1,775/mo
Today · 4.125%
HK$59,667
baseline
▲ 0.50% · 4.625%
HK$63,297
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,334/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,137
−HK$1,699/mo
Today · 4.125%
HK$65,836
baseline
▲ 0.50% · 4.625%
HK$69,307
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,672/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,971 · Scale 2, in force from 26 Feb 2026)