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$27,843
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$880/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,389
+HK$1,800/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,975
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,805
−HK$843/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,411
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,450
−HK$1,056/mo
Today · 4.125%
HK$35,506
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$2,161/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,012/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,170
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,166
−HK$1,012/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,980
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,232/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,364
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,527
−HK$1,180/mo
Today · 4.125%
HK$45,707
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,414/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,117
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,676
−HK$1,583/mo
Today · 4.125%
HK$53,259
baseline
▲ 0.50% · 4.625%
HK$56,500
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,518/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,516/mo
Today · 4.125%
HK$58,766
baseline
▲ 0.50% · 4.625%
HK$61,864
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,532/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,886 · Scale 2, in force from 26 Feb 2026)