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$31,279
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$989/mo
Today · 4.125%
HK$33,241
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,482/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,731
−HK$947/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,611
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,702
−HK$1,187/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,757
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,136/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,791
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,153
−HK$1,384/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,831/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,717
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,023
−HK$1,326/mo
Today · 4.125%
HK$51,349
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$2,706/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,698/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,302
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,054
−HK$1,779/mo
Today · 4.125%
HK$59,833
baseline
▲ 0.50% · 4.625%
HK$63,474
+HK$3,641/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,666/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,636
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,316
−HK$1,704/mo
Today · 4.125%
HK$66,020
baseline
▲ 0.50% · 4.625%
HK$69,500
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,040/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,402 · Scale 2, in force from 26 Feb 2026)