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$31,545
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$997/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,093
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$955/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,031
−HK$1,197/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,112
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,146/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,163
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,396/mo
Today · 4.125%
HK$46,932
baseline
▲ 0.50% · 4.625%
HK$49,788
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,864/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,448
−HK$1,337/mo
Today · 4.125%
HK$51,785
baseline
▲ 0.50% · 4.625%
HK$54,515
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,570/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,547
−HK$1,794/mo
Today · 4.125%
HK$60,341
baseline
▲ 0.50% · 4.625%
HK$64,013
+HK$3,672/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,682/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,168
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,862
−HK$1,719/mo
Today · 4.125%
HK$66,581
baseline
▲ 0.50% · 4.625%
HK$70,090
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,162/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,771 · Scale 2, in force from 26 Feb 2026)