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$31,297
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$989/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,283
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,751
−HK$947/mo
Today · 4.125%
HK$36,698
baseline
▲ 0.50% · 4.625%
HK$38,633
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,396/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,556
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,724
−HK$1,187/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,339
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,901
−HK$1,137/mo
Today · 4.125%
HK$44,038
baseline
▲ 0.50% · 4.625%
HK$46,359
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,076/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,815
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,178
−HK$1,385/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,396
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,326/mo
Today · 4.125%
HK$51,377
baseline
▲ 0.50% · 4.625%
HK$54,086
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,754/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,334
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,086
−HK$1,780/mo
Today · 4.125%
HK$59,866
baseline
▲ 0.50% · 4.625%
HK$63,509
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,732/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,671
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,352
−HK$1,705/mo
Today · 4.125%
HK$66,057
baseline
▲ 0.50% · 4.625%
HK$69,539
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,114/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,688 · Scale 2, in force from 26 Feb 2026)