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$31,635
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,619
−HK$999/mo
Today · 4.125%
HK$33,618
baseline
▲ 0.50% · 4.625%
HK$35,664
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,236/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,193
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,137
−HK$957/mo
Today · 4.125%
HK$37,094
baseline
▲ 0.50% · 4.625%
HK$39,050
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,188/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,142
−HK$1,200/mo
Today · 4.125%
HK$40,342
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,684/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,232
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,364
−HK$1,149/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,288
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,666
−HK$1,400/mo
Today · 4.125%
HK$47,066
baseline
▲ 0.50% · 4.625%
HK$49,929
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,132/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,270
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,592
−HK$1,340/mo
Today · 4.125%
HK$51,932
baseline
▲ 0.50% · 4.625%
HK$54,670
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,864/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,942
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,713
−HK$1,800/mo
Today · 4.125%
HK$60,513
baseline
▲ 0.50% · 4.625%
HK$64,195
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,026/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,348
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,046
−HK$1,724/mo
Today · 4.125%
HK$66,770
baseline
▲ 0.50% · 4.625%
HK$70,290
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,540/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,246 · Scale 2, in force from 26 Feb 2026)