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$30,928
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$978/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,407
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,330
−HK$936/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,178
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,114
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,173/mo
Today · 4.125%
HK$39,441
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,882/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,124/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$45,814
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,300
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,646
−HK$1,369/mo
Today · 4.125%
HK$46,015
baseline
▲ 0.50% · 4.625%
HK$48,815
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,030/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,170
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,462
−HK$1,311/mo
Today · 4.125%
HK$50,773
baseline
▲ 0.50% · 4.625%
HK$53,449
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,546/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,671
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,403
−HK$1,759/mo
Today · 4.125%
HK$59,162
baseline
▲ 0.50% · 4.625%
HK$62,762
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,324/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,933
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,594
−HK$1,685/mo
Today · 4.125%
HK$65,279
baseline
▲ 0.50% · 4.625%
HK$68,720
+HK$3,441/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,558/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,632 · Scale 2, in force from 26 Feb 2026)