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$27,882
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$881/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$844/mo
Today · 4.125%
HK$32,694
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,388/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$1,057/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,220
−HK$1,013/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,301
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,034
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,248
−HK$1,234/mo
Today · 4.125%
HK$41,482
baseline
▲ 0.50% · 4.625%
HK$44,006
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,964/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,425
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,590
−HK$1,181/mo
Today · 4.125%
HK$45,771
baseline
▲ 0.50% · 4.625%
HK$48,184
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,542/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,187
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,748
−HK$1,586/mo
Today · 4.125%
HK$53,334
baseline
▲ 0.50% · 4.625%
HK$56,579
+HK$3,245/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,668/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,832
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,330
−HK$1,519/mo
Today · 4.125%
HK$58,849
baseline
▲ 0.50% · 4.625%
HK$61,951
+HK$3,102/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,698/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,528 · Scale 2, in force from 26 Feb 2026)