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$27,774
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$878/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,311
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,898
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$841/mo
Today · 4.125%
HK$32,567
baseline
▲ 0.50% · 4.625%
HK$34,284
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,134/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,328
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$1,053/mo
Today · 4.125%
HK$35,418
baseline
▲ 0.50% · 4.625%
HK$37,573
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,836/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,077
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,072
−HK$1,009/mo
Today · 4.125%
HK$39,081
baseline
▲ 0.50% · 4.625%
HK$41,141
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,162/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,883
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,229/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,836
+HK$2,515/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,257
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,417
−HK$1,177/mo
Today · 4.125%
HK$45,594
baseline
▲ 0.50% · 4.625%
HK$47,997
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,188/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,992
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,547
−HK$1,580/mo
Today · 4.125%
HK$53,127
baseline
▲ 0.50% · 4.625%
HK$56,360
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,254/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,616
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,108
−HK$1,513/mo
Today · 4.125%
HK$58,621
baseline
▲ 0.50% · 4.625%
HK$61,711
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,242/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,751 · Scale 2, in force from 26 Feb 2026)