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$27,467
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$868/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,377
−HK$831/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$1,042/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,669
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,652
−HK$998/mo
Today · 4.125%
HK$38,650
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,300/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,215/mo
Today · 4.125%
HK$40,866
baseline
▲ 0.50% · 4.625%
HK$43,352
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,732/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,780
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,928
−HK$1,163/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,468
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,979
−HK$1,563/mo
Today · 4.125%
HK$52,542
baseline
▲ 0.50% · 4.625%
HK$55,739
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,084/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,003
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,478
−HK$1,497/mo
Today · 4.125%
HK$57,975
baseline
▲ 0.50% · 4.625%
HK$61,031
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,950/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,717 · Scale 2, in force from 26 Feb 2026)