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$31,344
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$991/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,336
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$949/mo
Today · 4.125%
HK$36,754
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,508/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,613
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,783
−HK$1,188/mo
Today · 4.125%
HK$39,971
baseline
▲ 0.50% · 4.625%
HK$42,404
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,942/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,844
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,966
−HK$1,139/mo
Today · 4.125%
HK$44,105
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,210/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,882
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,386/mo
Today · 4.125%
HK$46,633
baseline
▲ 0.50% · 4.625%
HK$49,471
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,266/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,818
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,127
−HK$1,328/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,168
+HK$2,713/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,419
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,174
−HK$1,783/mo
Today · 4.125%
HK$59,957
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,914/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,766
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,708/mo
Today · 4.125%
HK$66,157
baseline
▲ 0.50% · 4.625%
HK$69,644
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,314/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,469 · Scale 2, in force from 26 Feb 2026)