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$31,272
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$988/mo
Today · 4.125%
HK$33,233
baseline
▲ 0.50% · 4.625%
HK$35,255
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,466/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,723
−HK$947/mo
Today · 4.125%
HK$36,670
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,340/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,527
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,694
−HK$1,186/mo
Today · 4.125%
HK$39,880
baseline
▲ 0.50% · 4.625%
HK$42,307
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,760/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,748
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,868
−HK$1,136/mo
Today · 4.125%
HK$44,004
baseline
▲ 0.50% · 4.625%
HK$46,323
+HK$2,319/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,008/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,384/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,706
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,012
−HK$1,326/mo
Today · 4.125%
HK$51,338
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,676/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,041
−HK$1,779/mo
Today · 4.125%
HK$59,820
baseline
▲ 0.50% · 4.625%
HK$63,460
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,640/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,622
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,302
−HK$1,703/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$69,485
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,289 · Scale 2, in force from 26 Feb 2026)