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$31,269
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$988/mo
Today · 4.125%
HK$33,230
baseline
▲ 0.50% · 4.625%
HK$35,252
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,460/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,786
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,719
−HK$947/mo
Today · 4.125%
HK$36,666
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,332/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,523
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,690
−HK$1,186/mo
Today · 4.125%
HK$39,876
baseline
▲ 0.50% · 4.625%
HK$42,302
+HK$2,426/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,752/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,744
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,863
−HK$1,136/mo
Today · 4.125%
HK$43,999
baseline
▲ 0.50% · 4.625%
HK$46,318
+HK$2,319/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$87,998/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,777
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,138
−HK$1,384/mo
Today · 4.125%
HK$46,522
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,044/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,701
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,007
−HK$1,325/mo
Today · 4.125%
HK$51,332
baseline
▲ 0.50% · 4.625%
HK$54,038
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,664/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,284
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,035
−HK$1,779/mo
Today · 4.125%
HK$59,814
baseline
▲ 0.50% · 4.625%
HK$63,453
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,628/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,616
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,295
−HK$1,704/mo
Today · 4.125%
HK$65,999
baseline
▲ 0.50% · 4.625%
HK$69,477
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,998/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,235 · Scale 2, in force from 26 Feb 2026)