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$31,633
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$999/mo
Today · 4.125%
HK$33,616
baseline
▲ 0.50% · 4.625%
HK$35,662
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,232/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,191
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,135
−HK$957/mo
Today · 4.125%
HK$37,092
baseline
▲ 0.50% · 4.625%
HK$39,047
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,184/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,959
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,140
−HK$1,200/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,794
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,229
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,149/mo
Today · 4.125%
HK$44,511
baseline
▲ 0.50% · 4.625%
HK$46,857
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,022/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,286
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,663
−HK$1,400/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,926
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,267
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,589
−HK$1,340/mo
Today · 4.125%
HK$51,929
baseline
▲ 0.50% · 4.625%
HK$54,666
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,858/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,939
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,710
−HK$1,799/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$64,191
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,344
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,043
−HK$1,723/mo
Today · 4.125%
HK$66,766
baseline
▲ 0.50% · 4.625%
HK$70,285
+HK$3,519/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,532/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,215 · Scale 2, in force from 26 Feb 2026)