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$31,273
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,246
−HK$989/mo
Today · 4.125%
HK$33,235
baseline
▲ 0.50% · 4.625%
HK$35,257
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,470/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,724
−HK$947/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,604
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,528
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,695
−HK$1,186/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$42,308
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,750
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,869
−HK$1,136/mo
Today · 4.125%
HK$44,005
baseline
▲ 0.50% · 4.625%
HK$46,325
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,010/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,783
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,145
−HK$1,383/mo
Today · 4.125%
HK$46,528
baseline
▲ 0.50% · 4.625%
HK$49,360
+HK$2,832/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,056/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,708
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,014
−HK$1,325/mo
Today · 4.125%
HK$51,339
baseline
▲ 0.50% · 4.625%
HK$54,046
+HK$2,707/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,678/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,292
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,043
−HK$1,779/mo
Today · 4.125%
HK$59,822
baseline
▲ 0.50% · 4.625%
HK$63,462
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,644/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,625
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,304
−HK$1,704/mo
Today · 4.125%
HK$66,008
baseline
▲ 0.50% · 4.625%
HK$69,487
+HK$3,479/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,016/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,309 · Scale 2, in force from 26 Feb 2026)