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$31,655
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$1,001/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$958/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,167
−HK$1,201/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,824
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,259
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,150/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$46,889
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,316
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,695
−HK$1,400/mo
Today · 4.125%
HK$47,095
baseline
▲ 0.50% · 4.625%
HK$49,961
+HK$2,866/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,190/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,302
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,624
−HK$1,341/mo
Today · 4.125%
HK$51,965
baseline
▲ 0.50% · 4.625%
HK$54,704
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,930/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,978
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,751
−HK$1,800/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$64,236
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,388
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,088
−HK$1,724/mo
Today · 4.125%
HK$66,812
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,624/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,577 · Scale 2, in force from 26 Feb 2026)