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$30,872
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$975/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$935/mo
Today · 4.125%
HK$36,200
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,400/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,046
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,198
−HK$1,171/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,764
+HK$2,395/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,318
−HK$1,122/mo
Today · 4.125%
HK$43,440
baseline
▲ 0.50% · 4.625%
HK$45,729
+HK$2,289/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,880/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,220
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,365/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,725
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,082
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,309/mo
Today · 4.125%
HK$50,680
baseline
▲ 0.50% · 4.625%
HK$53,351
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,360/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,569
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,297
−HK$1,756/mo
Today · 4.125%
HK$59,053
baseline
▲ 0.50% · 4.625%
HK$62,647
+HK$3,594/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,106/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,820
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,478
−HK$1,682/mo
Today · 4.125%
HK$65,160
baseline
▲ 0.50% · 4.625%
HK$68,594
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,320/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,699 · Scale 2, in force from 26 Feb 2026)