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$31,299
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$989/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,754
−HK$947/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,636
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,559
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,728
−HK$1,187/mo
Today · 4.125%
HK$39,915
baseline
▲ 0.50% · 4.625%
HK$42,343
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,830/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,784
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,905
−HK$1,137/mo
Today · 4.125%
HK$44,042
baseline
▲ 0.50% · 4.625%
HK$46,363
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,084/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,819
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,385/mo
Today · 4.125%
HK$46,567
baseline
▲ 0.50% · 4.625%
HK$49,400
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,134/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,748
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,056
−HK$1,326/mo
Today · 4.125%
HK$51,382
baseline
▲ 0.50% · 4.625%
HK$54,090
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,764/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,339
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,091
−HK$1,781/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,676
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,357
−HK$1,706/mo
Today · 4.125%
HK$66,063
baseline
▲ 0.50% · 4.625%
HK$69,545
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,126/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,735 · Scale 2, in force from 26 Feb 2026)