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$30,896
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$976/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$935/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$1,910/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,458/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,076
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,229
−HK$1,172/mo
Today · 4.125%
HK$39,401
baseline
▲ 0.50% · 4.625%
HK$41,798
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,802/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,246
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,353
−HK$1,122/mo
Today · 4.125%
HK$43,475
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,950/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,255
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,367/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,765
+HK$2,797/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,121
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,411
−HK$1,310/mo
Today · 4.125%
HK$50,721
baseline
▲ 0.50% · 4.625%
HK$53,394
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,442/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,614
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,344
−HK$1,757/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,697
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,870
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,683/mo
Today · 4.125%
HK$65,212
baseline
▲ 0.50% · 4.625%
HK$68,650
+HK$3,438/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,424/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,109 · Scale 2, in force from 26 Feb 2026)