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$31,033
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$981/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$2,007/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,524
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$939/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,240
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,177/mo
Today · 4.125%
HK$39,575
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,150/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,429
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,540
−HK$1,127/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$45,969
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,446
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,798
−HK$1,373/mo
Today · 4.125%
HK$46,171
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,342/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,333
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,630
−HK$1,315/mo
Today · 4.125%
HK$50,945
baseline
▲ 0.50% · 4.625%
HK$53,630
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,890/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,859
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,597
−HK$1,765/mo
Today · 4.125%
HK$59,362
baseline
▲ 0.50% · 4.625%
HK$62,974
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,724/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,143
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,810
−HK$1,690/mo
Today · 4.125%
HK$65,500
baseline
▲ 0.50% · 4.625%
HK$68,953
+HK$3,453/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,000/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,354 · Scale 2, in force from 26 Feb 2026)