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$31,050
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$982/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$940/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,178/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,451
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,128/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,469
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,373/mo
Today · 4.125%
HK$46,195
baseline
▲ 0.50% · 4.625%
HK$49,006
+HK$2,811/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,390/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,359
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,316/mo
Today · 4.125%
HK$50,972
baseline
▲ 0.50% · 4.625%
HK$53,659
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,944/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,889
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,628
−HK$1,766/mo
Today · 4.125%
HK$59,394
baseline
▲ 0.50% · 4.625%
HK$63,008
+HK$3,614/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,788/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,176
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,844
−HK$1,691/mo
Today · 4.125%
HK$65,535
baseline
▲ 0.50% · 4.625%
HK$68,990
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,070/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,627 · Scale 2, in force from 26 Feb 2026)