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$30,959
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,922
−HK$978/mo
Today · 4.125%
HK$32,900
baseline
▲ 0.50% · 4.625%
HK$34,902
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,800/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,441
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,365
−HK$937/mo
Today · 4.125%
HK$36,302
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,604/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,150
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,174/mo
Today · 4.125%
HK$39,480
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,960/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,438
−HK$1,124/mo
Today · 4.125%
HK$43,562
baseline
▲ 0.50% · 4.625%
HK$45,859
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,124/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,342
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,370/mo
Today · 4.125%
HK$46,060
baseline
▲ 0.50% · 4.625%
HK$48,863
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,120/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,218
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,511
−HK$1,312/mo
Today · 4.125%
HK$50,823
baseline
▲ 0.50% · 4.625%
HK$53,502
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,646/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,726
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,459
−HK$1,761/mo
Today · 4.125%
HK$59,220
baseline
▲ 0.50% · 4.625%
HK$62,824
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,440/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,994
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,657
−HK$1,687/mo
Today · 4.125%
HK$65,344
baseline
▲ 0.50% · 4.625%
HK$68,788
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,688/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,132 · Scale 2, in force from 26 Feb 2026)