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$27,438
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$867/mo
Today · 4.125%
HK$29,158
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,316/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,524
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$831/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$33,869
+HK$1,695/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,925
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,950
−HK$1,040/mo
Today · 4.125%
HK$34,990
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,980/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,629
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,612
−HK$996/mo
Today · 4.125%
HK$38,608
baseline
▲ 0.50% · 4.625%
HK$40,643
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,216/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,608
−HK$1,214/mo
Today · 4.125%
HK$40,822
baseline
▲ 0.50% · 4.625%
HK$43,306
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,644/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,880
−HK$1,163/mo
Today · 4.125%
HK$45,043
baseline
▲ 0.50% · 4.625%
HK$47,417
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,086/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,388
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,924
−HK$1,561/mo
Today · 4.125%
HK$52,485
baseline
▲ 0.50% · 4.625%
HK$55,679
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,970/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,944
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,417
−HK$1,495/mo
Today · 4.125%
HK$57,912
baseline
▲ 0.50% · 4.625%
HK$60,965
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,824/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,231 · Scale 2, in force from 26 Feb 2026)