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$31,389
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,366
−HK$992/mo
Today · 4.125%
HK$33,358
baseline
▲ 0.50% · 4.625%
HK$35,387
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,716/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,920
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,857
−HK$950/mo
Today · 4.125%
HK$36,807
baseline
▲ 0.50% · 4.625%
HK$38,747
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,614/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,667
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,190/mo
Today · 4.125%
HK$40,029
baseline
▲ 0.50% · 4.625%
HK$42,465
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,058/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,904
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,140/mo
Today · 4.125%
HK$44,168
baseline
▲ 0.50% · 4.625%
HK$46,497
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,336/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,945
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,312
−HK$1,389/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,542
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,888
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,200
−HK$1,330/mo
Today · 4.125%
HK$51,530
baseline
▲ 0.50% · 4.625%
HK$54,246
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,060/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,501
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,258
−HK$1,786/mo
Today · 4.125%
HK$60,044
baseline
▲ 0.50% · 4.625%
HK$63,697
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,088/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,857
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,542
−HK$1,710/mo
Today · 4.125%
HK$66,252
baseline
▲ 0.50% · 4.625%
HK$69,745
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,504/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,214 · Scale 2, in force from 26 Feb 2026)