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$31,536
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$997/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$2,039/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$955/mo
Today · 4.125%
HK$36,979
baseline
▲ 0.50% · 4.625%
HK$38,928
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,958/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,843
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,020
−HK$1,196/mo
Today · 4.125%
HK$40,216
baseline
▲ 0.50% · 4.625%
HK$42,663
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,432/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,100
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,229
−HK$1,146/mo
Today · 4.125%
HK$44,375
baseline
▲ 0.50% · 4.625%
HK$46,714
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,750/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,150
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,524
−HK$1,395/mo
Today · 4.125%
HK$46,919
baseline
▲ 0.50% · 4.625%
HK$49,774
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,838/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,117
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,337/mo
Today · 4.125%
HK$51,771
baseline
▲ 0.50% · 4.625%
HK$54,499
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,542/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,531
−HK$1,794/mo
Today · 4.125%
HK$60,325
baseline
▲ 0.50% · 4.625%
HK$63,995
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,650/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,150
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,718/mo
Today · 4.125%
HK$66,562
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,124/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,627 · Scale 2, in force from 26 Feb 2026)