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$31,552
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$997/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$955/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,863
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,197/mo
Today · 4.125%
HK$40,237
baseline
▲ 0.50% · 4.625%
HK$42,685
+HK$2,448/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,474/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,122
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,146/mo
Today · 4.125%
HK$44,398
baseline
▲ 0.50% · 4.625%
HK$46,738
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,796/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,173
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,547
−HK$1,396/mo
Today · 4.125%
HK$46,943
baseline
▲ 0.50% · 4.625%
HK$49,800
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,886/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,142
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,460
−HK$1,337/mo
Today · 4.125%
HK$51,797
baseline
▲ 0.50% · 4.625%
HK$54,527
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,594/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,794/mo
Today · 4.125%
HK$60,355
baseline
▲ 0.50% · 4.625%
HK$64,028
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,710/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,183
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,877
−HK$1,719/mo
Today · 4.125%
HK$66,596
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,192/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,893 · Scale 2, in force from 26 Feb 2026)