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$31,508
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$995/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,522
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$954/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,810
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,195/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,063
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,192
−HK$1,144/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,112
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,394/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,730
+HK$2,852/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,335/mo
Today · 4.125%
HK$51,725
baseline
▲ 0.50% · 4.625%
HK$54,452
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,450/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,715
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,479
−HK$1,793/mo
Today · 4.125%
HK$60,272
baseline
▲ 0.50% · 4.625%
HK$63,939
+HK$3,667/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,544/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,095
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,787
−HK$1,717/mo
Today · 4.125%
HK$66,504
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,008/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,174 · Scale 2, in force from 26 Feb 2026)