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$31,244
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$987/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$946/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,493
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,185/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,829
−HK$1,135/mo
Today · 4.125%
HK$43,964
baseline
▲ 0.50% · 4.625%
HK$46,281
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,928/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,742
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,383/mo
Today · 4.125%
HK$46,485
baseline
▲ 0.50% · 4.625%
HK$49,313
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,970/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,662
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,967
−HK$1,324/mo
Today · 4.125%
HK$51,291
baseline
▲ 0.50% · 4.625%
HK$53,995
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,582/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,239
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,989
−HK$1,777/mo
Today · 4.125%
HK$59,766
baseline
▲ 0.50% · 4.625%
HK$63,403
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,532/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,566
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,244
−HK$1,702/mo
Today · 4.125%
HK$65,946
baseline
▲ 0.50% · 4.625%
HK$69,422
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,892/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,826 · Scale 2, in force from 26 Feb 2026)