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$27,748
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,611
−HK$877/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,282
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,869
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,697
−HK$840/mo
Today · 4.125%
HK$32,537
baseline
▲ 0.50% · 4.625%
HK$34,252
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,074/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,333
−HK$1,053/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,539
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,043
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,008/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,847
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,227/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,795
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,217
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,176/mo
Today · 4.125%
HK$45,552
baseline
▲ 0.50% · 4.625%
HK$47,953
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,104/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,946
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,500
−HK$1,578/mo
Today · 4.125%
HK$53,078
baseline
▲ 0.50% · 4.625%
HK$56,308
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,156/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,565
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,055
−HK$1,512/mo
Today · 4.125%
HK$58,567
baseline
▲ 0.50% · 4.625%
HK$61,654
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,134/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,330 · Scale 2, in force from 26 Feb 2026)