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$27,727
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,590
−HK$876/mo
Today · 4.125%
HK$29,466
baseline
▲ 0.50% · 4.625%
HK$31,259
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,932/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,846
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$839/mo
Today · 4.125%
HK$32,513
baseline
▲ 0.50% · 4.625%
HK$34,227
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,026/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,273
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,308
−HK$1,051/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,511
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,016
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,008
−HK$1,007/mo
Today · 4.125%
HK$39,015
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,030/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,818
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,026
−HK$1,226/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,762
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,185
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,343
−HK$1,175/mo
Today · 4.125%
HK$45,518
baseline
▲ 0.50% · 4.625%
HK$47,917
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,036/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,909
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,461
−HK$1,578/mo
Today · 4.125%
HK$53,039
baseline
▲ 0.50% · 4.625%
HK$56,266
+HK$3,227/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,078/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,523
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,012
−HK$1,511/mo
Today · 4.125%
HK$58,523
baseline
▲ 0.50% · 4.625%
HK$61,608
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,046/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,989 · Scale 2, in force from 26 Feb 2026)