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$27,845
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,711
−HK$880/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,808
−HK$843/mo
Today · 4.125%
HK$32,651
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,302/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$1,056/mo
Today · 4.125%
HK$35,509
baseline
▲ 0.50% · 4.625%
HK$37,670
+HK$2,161/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,018/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,173
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,170
−HK$1,011/mo
Today · 4.125%
HK$39,181
baseline
▲ 0.50% · 4.625%
HK$41,246
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,362/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,983
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,196
−HK$1,232/mo
Today · 4.125%
HK$41,428
baseline
▲ 0.50% · 4.625%
HK$43,948
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,856/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,368
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,531
−HK$1,180/mo
Today · 4.125%
HK$45,711
baseline
▲ 0.50% · 4.625%
HK$48,121
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,422/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,121
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,680
−HK$1,584/mo
Today · 4.125%
HK$53,264
baseline
▲ 0.50% · 4.625%
HK$56,505
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,528/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,759
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,255
−HK$1,517/mo
Today · 4.125%
HK$58,772
baseline
▲ 0.50% · 4.625%
HK$61,870
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,544/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,927 · Scale 2, in force from 26 Feb 2026)