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$31,436
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,414
−HK$993/mo
Today · 4.125%
HK$33,407
baseline
▲ 0.50% · 4.625%
HK$35,440
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,814/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,972
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,910
−HK$952/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$38,805
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,193/mo
Today · 4.125%
HK$40,089
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,178/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,967
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,142/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,010
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,379
−HK$1,391/mo
Today · 4.125%
HK$46,770
baseline
▲ 0.50% · 4.625%
HK$49,616
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,540/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,961
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,274
−HK$1,332/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,326
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,585
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,345
−HK$1,788/mo
Today · 4.125%
HK$60,133
baseline
▲ 0.50% · 4.625%
HK$63,792
+HK$3,659/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,266/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,950
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,638
−HK$1,713/mo
Today · 4.125%
HK$66,351
baseline
▲ 0.50% · 4.625%
HK$69,848
+HK$3,497/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,702/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,980 · Scale 2, in force from 26 Feb 2026)