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$31,618
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$999/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$957/mo
Today · 4.125%
HK$37,075
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,150/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,121
−HK$1,199/mo
Today · 4.125%
HK$40,320
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,640/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,209
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,341
−HK$1,148/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$46,835
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,641
−HK$1,399/mo
Today · 4.125%
HK$47,040
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,080/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,244
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,339/mo
Today · 4.125%
HK$51,904
baseline
▲ 0.50% · 4.625%
HK$54,640
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,808/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,682
−HK$1,798/mo
Today · 4.125%
HK$60,480
baseline
▲ 0.50% · 4.625%
HK$64,160
+HK$3,680/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,960/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,313
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,722/mo
Today · 4.125%
HK$66,734
baseline
▲ 0.50% · 4.625%
HK$70,252
+HK$3,518/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,468/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,967 · Scale 2, in force from 26 Feb 2026)