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$27,413
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,266
−HK$866/mo
Today · 4.125%
HK$29,132
baseline
▲ 0.50% · 4.625%
HK$30,905
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,264/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,497
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,315
−HK$830/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$33,839
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,896
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$1,040/mo
Today · 4.125%
HK$34,959
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,918/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,596
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,578
−HK$996/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,607
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,572
−HK$1,213/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$43,267
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,696
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,841
−HK$1,162/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,375
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,344
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,879
−HK$1,559/mo
Today · 4.125%
HK$52,438
baseline
▲ 0.50% · 4.625%
HK$55,629
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,876/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,895
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,367
−HK$1,493/mo
Today · 4.125%
HK$57,860
baseline
▲ 0.50% · 4.625%
HK$60,910
+HK$3,050/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,720/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,826 · Scale 2, in force from 26 Feb 2026)