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$27,716
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,578
−HK$876/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,246
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,833
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$839/mo
Today · 4.125%
HK$32,499
baseline
▲ 0.50% · 4.625%
HK$34,212
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,998/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,259
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,293
−HK$1,051/mo
Today · 4.125%
HK$35,344
baseline
▲ 0.50% · 4.625%
HK$37,495
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,688/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,000
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,007/mo
Today · 4.125%
HK$38,999
baseline
▲ 0.50% · 4.625%
HK$41,055
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,998/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,009
−HK$1,226/mo
Today · 4.125%
HK$41,235
baseline
▲ 0.50% · 4.625%
HK$43,744
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,470/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,167
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,324
−HK$1,175/mo
Today · 4.125%
HK$45,499
baseline
▲ 0.50% · 4.625%
HK$47,897
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,998/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,440
−HK$1,577/mo
Today · 4.125%
HK$53,017
baseline
▲ 0.50% · 4.625%
HK$56,243
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,034/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,500
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,989
−HK$1,510/mo
Today · 4.125%
HK$58,499
baseline
▲ 0.50% · 4.625%
HK$61,582
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,998/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,799 · Scale 2, in force from 26 Feb 2026)