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$27,912
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$883/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,052
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,885
−HK$845/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,495
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$1,058/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,761
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,263
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,262
−HK$1,014/mo
Today · 4.125%
HK$39,276
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,552/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,077
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,235/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,639
−HK$1,183/mo
Today · 4.125%
HK$45,822
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,644/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,242
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,805
−HK$1,588/mo
Today · 4.125%
HK$53,393
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,786/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,894
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,393
−HK$1,521/mo
Today · 4.125%
HK$58,914
baseline
▲ 0.50% · 4.625%
HK$62,019
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,828/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,032 · Scale 2, in force from 26 Feb 2026)