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$31,543
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,524
−HK$997/mo
Today · 4.125%
HK$33,521
baseline
▲ 0.50% · 4.625%
HK$35,561
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,042/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,091
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,032
−HK$955/mo
Today · 4.125%
HK$36,987
baseline
▲ 0.50% · 4.625%
HK$38,937
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,974/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,196/mo
Today · 4.125%
HK$40,225
baseline
▲ 0.50% · 4.625%
HK$42,673
+HK$2,448/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,450/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,109
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,239
−HK$1,145/mo
Today · 4.125%
HK$44,384
baseline
▲ 0.50% · 4.625%
HK$46,724
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,768/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,160
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,395/mo
Today · 4.125%
HK$46,929
baseline
▲ 0.50% · 4.625%
HK$49,785
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,858/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,128
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,337/mo
Today · 4.125%
HK$51,782
baseline
▲ 0.50% · 4.625%
HK$54,511
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,564/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,777
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,543
−HK$1,795/mo
Today · 4.125%
HK$60,338
baseline
▲ 0.50% · 4.625%
HK$64,009
+HK$3,671/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,676/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,164
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,858
−HK$1,719/mo
Today · 4.125%
HK$66,577
baseline
▲ 0.50% · 4.625%
HK$70,086
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,154/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,740 · Scale 2, in force from 26 Feb 2026)