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$31,513
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$996/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,527
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,998
−HK$954/mo
Today · 4.125%
HK$36,952
baseline
▲ 0.50% · 4.625%
HK$38,899
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,904/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,195/mo
Today · 4.125%
HK$40,187
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,374/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,197
−HK$1,145/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$46,679
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,490
−HK$1,394/mo
Today · 4.125%
HK$46,884
baseline
▲ 0.50% · 4.625%
HK$49,737
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,768/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,081
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,397
−HK$1,335/mo
Today · 4.125%
HK$51,732
baseline
▲ 0.50% · 4.625%
HK$54,459
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,464/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,723
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,487
−HK$1,793/mo
Today · 4.125%
HK$60,280
baseline
▲ 0.50% · 4.625%
HK$63,948
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,560/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,104
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,796
−HK$1,717/mo
Today · 4.125%
HK$66,513
baseline
▲ 0.50% · 4.625%
HK$70,019
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,026/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,244 · Scale 2, in force from 26 Feb 2026)