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$27,539
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$870/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,637
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$833/mo
Today · 4.125%
HK$32,292
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,584/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,047
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,075
−HK$1,045/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$37,257
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,765
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,751
−HK$1,000/mo
Today · 4.125%
HK$38,751
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,502/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,555
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,754
−HK$1,219/mo
Today · 4.125%
HK$40,973
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,946/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,892
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,043
−HK$1,166/mo
Today · 4.125%
HK$45,209
baseline
▲ 0.50% · 4.625%
HK$47,593
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,418/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,571
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,113
−HK$1,566/mo
Today · 4.125%
HK$52,679
baseline
▲ 0.50% · 4.625%
HK$55,885
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,358/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,147
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,626
−HK$1,500/mo
Today · 4.125%
HK$58,126
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,252/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,899 · Scale 2, in force from 26 Feb 2026)