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$27,672
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$875/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$837/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$1,049/mo
Today · 4.125%
HK$35,289
baseline
▲ 0.50% · 4.625%
HK$37,436
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,578/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,942
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,933
−HK$1,005/mo
Today · 4.125%
HK$38,938
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,053/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,876/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,741
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,946
−HK$1,225/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,099
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,255
−HK$1,173/mo
Today · 4.125%
HK$45,428
baseline
▲ 0.50% · 4.625%
HK$47,822
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,856/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,810
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,360
−HK$1,574/mo
Today · 4.125%
HK$52,934
baseline
▲ 0.50% · 4.625%
HK$56,155
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,868/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,413
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,899
−HK$1,508/mo
Today · 4.125%
HK$58,407
baseline
▲ 0.50% · 4.625%
HK$61,486
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,814/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,086 · Scale 2, in force from 26 Feb 2026)