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$31,356
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$991/mo
Today · 4.125%
HK$33,323
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$2,027/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,646/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,884
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$949/mo
Today · 4.125%
HK$36,768
baseline
▲ 0.50% · 4.625%
HK$38,706
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,536/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,189/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,983
−HK$1,139/mo
Today · 4.125%
HK$44,122
baseline
▲ 0.50% · 4.625%
HK$46,448
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,244/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,899
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,388/mo
Today · 4.125%
HK$46,652
baseline
▲ 0.50% · 4.625%
HK$49,490
+HK$2,838/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,304/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,837
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,147
−HK$1,329/mo
Today · 4.125%
HK$51,476
baseline
▲ 0.50% · 4.625%
HK$54,189
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,952/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,441
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,197
−HK$1,784/mo
Today · 4.125%
HK$59,981
baseline
▲ 0.50% · 4.625%
HK$63,630
+HK$3,649/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,962/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,790
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,474
−HK$1,709/mo
Today · 4.125%
HK$66,183
baseline
▲ 0.50% · 4.625%
HK$69,671
+HK$3,488/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,366/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,671 · Scale 2, in force from 26 Feb 2026)