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$31,595
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$999/mo
Today · 4.125%
HK$33,577
baseline
▲ 0.50% · 4.625%
HK$35,620
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,154/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,150
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$957/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,001
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,098/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,914
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,198/mo
Today · 4.125%
HK$40,292
baseline
▲ 0.50% · 4.625%
HK$42,744
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,584/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,179
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,311
−HK$1,147/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$46,802
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,234
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,609
−HK$1,398/mo
Today · 4.125%
HK$47,007
baseline
▲ 0.50% · 4.625%
HK$49,868
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,014/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,209
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,529
−HK$1,339/mo
Today · 4.125%
HK$51,868
baseline
▲ 0.50% · 4.625%
HK$54,602
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,736/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,872
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,797/mo
Today · 4.125%
HK$60,438
baseline
▲ 0.50% · 4.625%
HK$64,116
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,876/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,269
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,966
−HK$1,721/mo
Today · 4.125%
HK$66,687
baseline
▲ 0.50% · 4.625%
HK$70,203
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,374/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,603 · Scale 2, in force from 26 Feb 2026)