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$31,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$982/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$35,053
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,590
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$941/mo
Today · 4.125%
HK$36,459
baseline
▲ 0.50% · 4.625%
HK$38,381
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,918/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,311
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,180/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,508
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,621
−HK$1,129/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,057
+HK$2,307/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,529
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,376/mo
Today · 4.125%
HK$46,259
baseline
▲ 0.50% · 4.625%
HK$49,074
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,518/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,426
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,317/mo
Today · 4.125%
HK$51,042
baseline
▲ 0.50% · 4.625%
HK$53,733
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,084/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,966
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,769/mo
Today · 4.125%
HK$59,476
baseline
▲ 0.50% · 4.625%
HK$63,095
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,952/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,262
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,932
−HK$1,694/mo
Today · 4.125%
HK$65,626
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,252/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,331 · Scale 2, in force from 26 Feb 2026)