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$31,598
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$999/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,623
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$956/mo
Today · 4.125%
HK$37,052
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,104/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,918
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,199/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,183
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,315
−HK$1,147/mo
Today · 4.125%
HK$44,462
baseline
▲ 0.50% · 4.625%
HK$46,806
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,924/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,398/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,872
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,214
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,339/mo
Today · 4.125%
HK$51,873
baseline
▲ 0.50% · 4.625%
HK$54,607
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,746/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,877
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,646
−HK$1,798/mo
Today · 4.125%
HK$60,444
baseline
▲ 0.50% · 4.625%
HK$64,121
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,888/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,275
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,721/mo
Today · 4.125%
HK$66,693
baseline
▲ 0.50% · 4.625%
HK$70,209
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,386/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,650 · Scale 2, in force from 26 Feb 2026)