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$27,932
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$883/mo
Today · 4.125%
HK$29,683
baseline
▲ 0.50% · 4.625%
HK$31,489
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,366/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,907
−HK$845/mo
Today · 4.125%
HK$32,752
baseline
▲ 0.50% · 4.625%
HK$34,479
+HK$1,727/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,504/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,518
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$1,059/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,787
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,288
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,288
−HK$1,015/mo
Today · 4.125%
HK$39,303
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,606/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,104
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,321
−HK$1,235/mo
Today · 4.125%
HK$41,556
baseline
▲ 0.50% · 4.625%
HK$44,085
+HK$2,529/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,112/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,670
−HK$1,183/mo
Today · 4.125%
HK$45,853
baseline
▲ 0.50% · 4.625%
HK$48,270
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,706/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,277
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,841
−HK$1,589/mo
Today · 4.125%
HK$53,430
baseline
▲ 0.50% · 4.625%
HK$56,681
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,860/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,933
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,433
−HK$1,521/mo
Today · 4.125%
HK$58,954
baseline
▲ 0.50% · 4.625%
HK$62,062
+HK$3,108/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,908/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,350 · Scale 2, in force from 26 Feb 2026)