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$27,616
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,475
−HK$873/mo
Today · 4.125%
HK$29,348
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,696/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,723
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,547
−HK$835/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,089
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,139
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$1,047/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,003/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$40,907
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,662
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,865
−HK$1,222/mo
Today · 4.125%
HK$41,087
baseline
▲ 0.50% · 4.625%
HK$43,587
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,174/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,012
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,165
−HK$1,170/mo
Today · 4.125%
HK$45,335
baseline
▲ 0.50% · 4.625%
HK$47,725
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,670/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,709
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,255
−HK$1,571/mo
Today · 4.125%
HK$52,826
baseline
▲ 0.50% · 4.625%
HK$56,040
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,652/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,301
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,504/mo
Today · 4.125%
HK$58,288
baseline
▲ 0.50% · 4.625%
HK$61,361
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,576/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,160 · Scale 2, in force from 26 Feb 2026)