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$31,155
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$985/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$35,123
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,660
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,589
−HK$943/mo
Today · 4.125%
HK$36,532
baseline
▲ 0.50% · 4.625%
HK$38,458
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,064/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,386
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,182/mo
Today · 4.125%
HK$39,731
baseline
▲ 0.50% · 4.625%
HK$42,148
+HK$2,417/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,462/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,592
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,707
−HK$1,132/mo
Today · 4.125%
HK$43,839
baseline
▲ 0.50% · 4.625%
HK$46,150
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,678/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,617
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,378/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$49,173
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,524
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,825
−HK$1,320/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$53,841
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,079
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,824
−HK$1,772/mo
Today · 4.125%
HK$59,596
baseline
▲ 0.50% · 4.625%
HK$63,222
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,192/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,388
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,061
−HK$1,697/mo
Today · 4.125%
HK$65,758
baseline
▲ 0.50% · 4.625%
HK$69,224
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,516/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,362 · Scale 2, in force from 26 Feb 2026)