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$30,916
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,878
−HK$977/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,999/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,394
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,316
−HK$936/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,173/mo
Today · 4.125%
HK$39,426
baseline
▲ 0.50% · 4.625%
HK$41,825
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,852/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,123/mo
Today · 4.125%
HK$43,502
baseline
▲ 0.50% · 4.625%
HK$45,795
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$87,004/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,283
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,629
−HK$1,368/mo
Today · 4.125%
HK$45,997
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,798/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,994/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,151
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,443
−HK$1,310/mo
Today · 4.125%
HK$50,753
baseline
▲ 0.50% · 4.625%
HK$53,428
+HK$2,675/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,506/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,649
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,380
−HK$1,759/mo
Today · 4.125%
HK$59,139
baseline
▲ 0.50% · 4.625%
HK$62,737
+HK$3,598/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,278/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,909
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,569
−HK$1,685/mo
Today · 4.125%
HK$65,254
baseline
▲ 0.50% · 4.625%
HK$68,693
+HK$3,439/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,508/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,431 · Scale 2, in force from 26 Feb 2026)