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$27,453
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,306
−HK$868/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$831/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$33,888
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$1,041/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$997/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,434
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,215/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$43,329
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,757
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,904
−HK$1,163/mo
Today · 4.125%
HK$45,067
baseline
▲ 0.50% · 4.625%
HK$47,443
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,134/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,415
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,952
−HK$1,561/mo
Today · 4.125%
HK$52,513
baseline
▲ 0.50% · 4.625%
HK$55,709
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,026/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,973
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,448
−HK$1,495/mo
Today · 4.125%
HK$57,943
baseline
▲ 0.50% · 4.625%
HK$60,998
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,886/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,472 · Scale 2, in force from 26 Feb 2026)