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$30,835
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$974/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,224
−HK$933/mo
Today · 4.125%
HK$36,157
baseline
▲ 0.50% · 4.625%
HK$38,063
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,314/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,002
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,170/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,165
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,269
−HK$1,120/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$45,676
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,365/mo
Today · 4.125%
HK$45,877
baseline
▲ 0.50% · 4.625%
HK$48,668
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,754/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,026
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,314
−HK$1,306/mo
Today · 4.125%
HK$50,620
baseline
▲ 0.50% · 4.625%
HK$53,289
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,240/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,504
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,230
−HK$1,754/mo
Today · 4.125%
HK$58,984
baseline
▲ 0.50% · 4.625%
HK$62,573
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,968/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,747
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,403
−HK$1,680/mo
Today · 4.125%
HK$65,083
baseline
▲ 0.50% · 4.625%
HK$68,514
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,166/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,104 · Scale 2, in force from 26 Feb 2026)