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$31,056
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$982/mo
Today · 4.125%
HK$33,004
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,008/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$940/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,336
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,267
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,427
−HK$1,177/mo
Today · 4.125%
HK$39,604
baseline
▲ 0.50% · 4.625%
HK$42,014
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,208/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,571
−HK$1,128/mo
Today · 4.125%
HK$43,699
baseline
▲ 0.50% · 4.625%
HK$46,003
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,398/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,479
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,374/mo
Today · 4.125%
HK$46,205
baseline
▲ 0.50% · 4.625%
HK$49,017
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,410/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,369
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,316/mo
Today · 4.125%
HK$50,983
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,966/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,901
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,640
−HK$1,766/mo
Today · 4.125%
HK$59,406
baseline
▲ 0.50% · 4.625%
HK$63,021
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,812/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,189
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,692/mo
Today · 4.125%
HK$65,549
baseline
▲ 0.50% · 4.625%
HK$69,004
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,098/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,734 · Scale 2, in force from 26 Feb 2026)