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$31,166
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$985/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$35,136
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,672
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,602
−HK$943/mo
Today · 4.125%
HK$36,545
baseline
▲ 0.50% · 4.625%
HK$38,472
+HK$1,927/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,090/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,399
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,563
−HK$1,182/mo
Today · 4.125%
HK$39,745
baseline
▲ 0.50% · 4.625%
HK$42,163
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,490/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,606
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,722
−HK$1,132/mo
Today · 4.125%
HK$43,854
baseline
▲ 0.50% · 4.625%
HK$46,166
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,708/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,633
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,990
−HK$1,379/mo
Today · 4.125%
HK$46,369
baseline
▲ 0.50% · 4.625%
HK$49,190
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,738/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,541
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,843
−HK$1,320/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$53,860
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,099
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,844
−HK$1,773/mo
Today · 4.125%
HK$59,617
baseline
▲ 0.50% · 4.625%
HK$63,245
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,234/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,410
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,698/mo
Today · 4.125%
HK$65,782
baseline
▲ 0.50% · 4.625%
HK$69,249
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,564/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,545 · Scale 2, in force from 26 Feb 2026)