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$27,713
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$875/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,243
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$839/mo
Today · 4.125%
HK$32,497
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,994/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,256
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,291
−HK$1,051/mo
Today · 4.125%
HK$35,342
baseline
▲ 0.50% · 4.625%
HK$37,492
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,684/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,997
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,007/mo
Today · 4.125%
HK$38,996
baseline
▲ 0.50% · 4.625%
HK$41,052
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,992/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,006
−HK$1,226/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,741
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,163
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,174/mo
Today · 4.125%
HK$45,495
baseline
▲ 0.50% · 4.625%
HK$47,893
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,990/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,884
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,436
−HK$1,576/mo
Today · 4.125%
HK$53,012
baseline
▲ 0.50% · 4.625%
HK$56,238
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,024/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,496
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,510/mo
Today · 4.125%
HK$58,494
baseline
▲ 0.50% · 4.625%
HK$61,577
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,988/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,763 · Scale 2, in force from 26 Feb 2026)