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$31,440
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$993/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,976
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$952/mo
Today · 4.125%
HK$36,866
baseline
▲ 0.50% · 4.625%
HK$38,809
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,732/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,192/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,533
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,971
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,097
−HK$1,142/mo
Today · 4.125%
HK$44,239
baseline
▲ 0.50% · 4.625%
HK$46,571
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,478/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,385
−HK$1,391/mo
Today · 4.125%
HK$46,776
baseline
▲ 0.50% · 4.625%
HK$49,622
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,552/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,967
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,332/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,333
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,591
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,352
−HK$1,788/mo
Today · 4.125%
HK$60,140
baseline
▲ 0.50% · 4.625%
HK$63,799
+HK$3,659/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,280/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,957
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,646
−HK$1,713/mo
Today · 4.125%
HK$66,359
baseline
▲ 0.50% · 4.625%
HK$69,856
+HK$3,497/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,718/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,041 · Scale 2, in force from 26 Feb 2026)