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$31,488
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,467
−HK$995/mo
Today · 4.125%
HK$33,462
baseline
▲ 0.50% · 4.625%
HK$35,498
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,924/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,030
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,969
−HK$953/mo
Today · 4.125%
HK$36,922
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$1,947/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,844/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,961
−HK$1,194/mo
Today · 4.125%
HK$40,155
baseline
▲ 0.50% · 4.625%
HK$42,598
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,310/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,036
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,163
−HK$1,144/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$46,642
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,083
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,454
−HK$1,393/mo
Today · 4.125%
HK$46,847
baseline
▲ 0.50% · 4.625%
HK$49,698
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,694/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,042
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,357
−HK$1,334/mo
Today · 4.125%
HK$51,691
baseline
▲ 0.50% · 4.625%
HK$54,416
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,382/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,678
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,441
−HK$1,791/mo
Today · 4.125%
HK$60,232
baseline
▲ 0.50% · 4.625%
HK$63,897
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,464/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,054
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,745
−HK$1,715/mo
Today · 4.125%
HK$66,460
baseline
▲ 0.50% · 4.625%
HK$69,964
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,920/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,834 · Scale 2, in force from 26 Feb 2026)