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$27,887
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$881/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,024
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$845/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$1,057/mo
Today · 4.125%
HK$35,563
baseline
▲ 0.50% · 4.625%
HK$37,727
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,126/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,229
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,228
−HK$1,013/mo
Today · 4.125%
HK$39,241
baseline
▲ 0.50% · 4.625%
HK$41,309
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,482/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,042
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,234/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$44,015
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,599
−HK$1,182/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,197
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,759
−HK$1,586/mo
Today · 4.125%
HK$53,345
baseline
▲ 0.50% · 4.625%
HK$56,591
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,690/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,844
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,342
−HK$1,519/mo
Today · 4.125%
HK$58,861
baseline
▲ 0.50% · 4.625%
HK$61,964
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,722/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,623 · Scale 2, in force from 26 Feb 2026)