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$27,736
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$877/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,683
−HK$840/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,283
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,318
−HK$1,052/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,522
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,027
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,020
−HK$1,007/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,084
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,830
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,227/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,776
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,198
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,356
−HK$1,176/mo
Today · 4.125%
HK$45,532
baseline
▲ 0.50% · 4.625%
HK$47,932
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,064/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,924
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,477
−HK$1,578/mo
Today · 4.125%
HK$53,055
baseline
▲ 0.50% · 4.625%
HK$56,283
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,110/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,540
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,030
−HK$1,511/mo
Today · 4.125%
HK$58,541
baseline
▲ 0.50% · 4.625%
HK$61,626
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,082/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,126 · Scale 2, in force from 26 Feb 2026)