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$31,313
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$990/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$2,024/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$947/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,653
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,188/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,802
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,924
−HK$1,137/mo
Today · 4.125%
HK$44,061
baseline
▲ 0.50% · 4.625%
HK$46,383
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,122/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,838
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,385/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,422
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,770
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,077
−HK$1,327/mo
Today · 4.125%
HK$51,404
baseline
▲ 0.50% · 4.625%
HK$54,114
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,808/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,363
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,117
−HK$1,781/mo
Today · 4.125%
HK$59,898
baseline
▲ 0.50% · 4.625%
HK$63,542
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,796/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,704
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,385
−HK$1,706/mo
Today · 4.125%
HK$66,091
baseline
▲ 0.50% · 4.625%
HK$69,575
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,182/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,958 · Scale 2, in force from 26 Feb 2026)