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$31,235
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$987/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$945/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,647
−HK$1,185/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,698
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,135/mo
Today · 4.125%
HK$43,951
baseline
▲ 0.50% · 4.625%
HK$46,267
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,902/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,728
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,089
−HK$1,381/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$49,298
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,647
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,952
−HK$1,324/mo
Today · 4.125%
HK$51,276
baseline
▲ 0.50% · 4.625%
HK$53,978
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,552/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,222
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,971
−HK$1,777/mo
Today · 4.125%
HK$59,748
baseline
▲ 0.50% · 4.625%
HK$63,383
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,496/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,547
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,224
−HK$1,702/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,401
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,668 · Scale 2, in force from 26 Feb 2026)