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$30,992
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$980/mo
Today · 4.125%
HK$32,936
baseline
▲ 0.50% · 4.625%
HK$34,940
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,872/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,403
−HK$938/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,257
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,191
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,347
−HK$1,176/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,928
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,374
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,484
−HK$1,125/mo
Today · 4.125%
HK$43,609
baseline
▲ 0.50% · 4.625%
HK$45,908
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,218/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,389
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,739
−HK$1,371/mo
Today · 4.125%
HK$46,110
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,220/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,270
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,564
−HK$1,314/mo
Today · 4.125%
HK$50,878
baseline
▲ 0.50% · 4.625%
HK$53,559
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,756/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,786
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,521
−HK$1,763/mo
Today · 4.125%
HK$59,284
baseline
▲ 0.50% · 4.625%
HK$62,891
+HK$3,607/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,568/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,061
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,688/mo
Today · 4.125%
HK$65,414
baseline
▲ 0.50% · 4.625%
HK$68,862
+HK$3,448/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,828/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,682 · Scale 2, in force from 26 Feb 2026)