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$27,717
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$876/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,247
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,835
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$839/mo
Today · 4.125%
HK$32,501
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,002/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,260
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,295
−HK$1,051/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,002
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,007/mo
Today · 4.125%
HK$39,001
baseline
▲ 0.50% · 4.625%
HK$41,057
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,002/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,804
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,011
−HK$1,226/mo
Today · 4.125%
HK$41,237
baseline
▲ 0.50% · 4.625%
HK$43,746
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,474/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,327
−HK$1,174/mo
Today · 4.125%
HK$45,501
baseline
▲ 0.50% · 4.625%
HK$47,900
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,002/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,891
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,442
−HK$1,577/mo
Today · 4.125%
HK$53,019
baseline
▲ 0.50% · 4.625%
HK$56,245
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,038/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,503
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,991
−HK$1,510/mo
Today · 4.125%
HK$58,501
baseline
▲ 0.50% · 4.625%
HK$61,585
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,002/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,821 · Scale 2, in force from 26 Feb 2026)