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$27,711
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$876/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,829
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$839/mo
Today · 4.125%
HK$32,494
baseline
▲ 0.50% · 4.625%
HK$34,207
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,988/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,254
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,288
−HK$1,051/mo
Today · 4.125%
HK$35,339
baseline
▲ 0.50% · 4.625%
HK$37,489
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,678/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,994
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,986
−HK$1,007/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,796
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,226/mo
Today · 4.125%
HK$41,229
baseline
▲ 0.50% · 4.625%
HK$43,737
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,458/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,160
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,318
−HK$1,174/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$47,890
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,880
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,432
−HK$1,576/mo
Today · 4.125%
HK$53,008
baseline
▲ 0.50% · 4.625%
HK$56,234
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,016/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,491
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,980
−HK$1,510/mo
Today · 4.125%
HK$58,490
baseline
▲ 0.50% · 4.625%
HK$61,573
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,980/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,728 · Scale 2, in force from 26 Feb 2026)