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$31,534
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$997/mo
Today · 4.125%
HK$33,511
baseline
▲ 0.50% · 4.625%
HK$35,550
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,022/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,081
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$954/mo
Today · 4.125%
HK$36,976
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,952/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,196/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,660
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,097
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,226
−HK$1,145/mo
Today · 4.125%
HK$44,371
baseline
▲ 0.50% · 4.625%
HK$46,710
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,742/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,147
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,520
−HK$1,395/mo
Today · 4.125%
HK$46,915
baseline
▲ 0.50% · 4.625%
HK$49,770
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,830/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,113
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,430
−HK$1,337/mo
Today · 4.125%
HK$51,767
baseline
▲ 0.50% · 4.625%
HK$54,495
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,534/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,760
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,526
−HK$1,794/mo
Today · 4.125%
HK$60,320
baseline
▲ 0.50% · 4.625%
HK$63,990
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,640/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,145
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,839
−HK$1,718/mo
Today · 4.125%
HK$66,557
baseline
▲ 0.50% · 4.625%
HK$70,065
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,114/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,586 · Scale 2, in force from 26 Feb 2026)