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$31,210
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,181
−HK$986/mo
Today · 4.125%
HK$33,167
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,334/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,721
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$945/mo
Today · 4.125%
HK$36,597
baseline
▲ 0.50% · 4.625%
HK$38,526
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,194/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,452
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,184/mo
Today · 4.125%
HK$39,801
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,602/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,783
−HK$1,133/mo
Today · 4.125%
HK$43,916
baseline
▲ 0.50% · 4.625%
HK$46,231
+HK$2,315/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,832/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,053
−HK$1,381/mo
Today · 4.125%
HK$46,434
baseline
▲ 0.50% · 4.625%
HK$49,260
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,868/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,609
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,913
−HK$1,323/mo
Today · 4.125%
HK$51,236
baseline
▲ 0.50% · 4.625%
HK$53,936
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,472/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,178
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,926
−HK$1,775/mo
Today · 4.125%
HK$59,701
baseline
▲ 0.50% · 4.625%
HK$63,334
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,402/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,498
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,174
−HK$1,700/mo
Today · 4.125%
HK$65,874
baseline
▲ 0.50% · 4.625%
HK$69,347
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,748/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,267 · Scale 2, in force from 26 Feb 2026)