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$31,692
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,678
−HK$1,002/mo
Today · 4.125%
HK$33,680
baseline
▲ 0.50% · 4.625%
HK$35,729
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,360/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,257
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,203
−HK$959/mo
Today · 4.125%
HK$37,162
baseline
▲ 0.50% · 4.625%
HK$39,121
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,324/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,202/mo
Today · 4.125%
HK$40,416
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,832/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,151/mo
Today · 4.125%
HK$44,595
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,190/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,369
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,403/mo
Today · 4.125%
HK$47,152
baseline
▲ 0.50% · 4.625%
HK$50,021
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,304/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,360
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,684
−HK$1,343/mo
Today · 4.125%
HK$52,027
baseline
▲ 0.50% · 4.625%
HK$54,770
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,054/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,046
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,821
−HK$1,802/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,689/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,463
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,165
−HK$1,727/mo
Today · 4.125%
HK$66,892
baseline
▲ 0.50% · 4.625%
HK$70,418
+HK$3,526/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,784/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,197 · Scale 2, in force from 26 Feb 2026)