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$31,089
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$983/mo
Today · 4.125%
HK$33,039
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,078/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,587
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$941/mo
Today · 4.125%
HK$36,455
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,910/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,307
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,179/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$42,059
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,129/mo
Today · 4.125%
HK$43,746
baseline
▲ 0.50% · 4.625%
HK$46,052
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,492/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,525
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,879
−HK$1,376/mo
Today · 4.125%
HK$46,255
baseline
▲ 0.50% · 4.625%
HK$49,069
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,510/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,421
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,720
−HK$1,317/mo
Today · 4.125%
HK$51,037
baseline
▲ 0.50% · 4.625%
HK$53,728
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,074/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,961
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,702
−HK$1,768/mo
Today · 4.125%
HK$59,470
baseline
▲ 0.50% · 4.625%
HK$63,089
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,940/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,256
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,926
−HK$1,693/mo
Today · 4.125%
HK$65,619
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,238/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,282 · Scale 2, in force from 26 Feb 2026)