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$31,042
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$981/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,534
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$939/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,177/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,995
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,440
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,127/mo
Today · 4.125%
HK$43,679
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,358/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,458
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,374/mo
Today · 4.125%
HK$46,184
baseline
▲ 0.50% · 4.625%
HK$48,994
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,368/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,347
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,644
−HK$1,315/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,613
−HK$1,766/mo
Today · 4.125%
HK$59,379
baseline
▲ 0.50% · 4.625%
HK$62,992
+HK$3,613/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,758/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,161
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,828
−HK$1,691/mo
Today · 4.125%
HK$65,519
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,453/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,038/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,498 · Scale 2, in force from 26 Feb 2026)