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$30,946
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$978/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,427
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$936/mo
Today · 4.125%
HK$36,287
baseline
▲ 0.50% · 4.625%
HK$38,200
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,574/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,135
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,290
−HK$1,174/mo
Today · 4.125%
HK$39,464
baseline
▲ 0.50% · 4.625%
HK$41,865
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,928/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,313
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,421
−HK$1,124/mo
Today · 4.125%
HK$43,545
baseline
▲ 0.50% · 4.625%
HK$45,840
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,090/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,324
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,369/mo
Today · 4.125%
HK$46,041
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,082/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,198
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,491
−HK$1,311/mo
Today · 4.125%
HK$50,802
baseline
▲ 0.50% · 4.625%
HK$53,480
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,604/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,703
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,436
−HK$1,760/mo
Today · 4.125%
HK$59,196
baseline
▲ 0.50% · 4.625%
HK$62,798
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,392/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,969
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,631
−HK$1,686/mo
Today · 4.125%
HK$65,317
baseline
▲ 0.50% · 4.625%
HK$68,760
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,634/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,925 · Scale 2, in force from 26 Feb 2026)