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$31,107
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$983/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$35,070
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,607
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$941/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,399
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,490
−HK$1,180/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$42,084
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,528
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,130/mo
Today · 4.125%
HK$43,772
baseline
▲ 0.50% · 4.625%
HK$46,079
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,544/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,550
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,905
−HK$1,376/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$49,098
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,449
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,318/mo
Today · 4.125%
HK$51,067
baseline
▲ 0.50% · 4.625%
HK$53,759
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,134/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,993
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,735
−HK$1,770/mo
Today · 4.125%
HK$59,505
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,010/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,292
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,695/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,118
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,579 · Scale 2, in force from 26 Feb 2026)