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$27,955
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$883/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$846/mo
Today · 4.125%
HK$32,780
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,560/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,546
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,589
−HK$1,061/mo
Today · 4.125%
HK$35,650
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,300/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,320
−HK$1,016/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,354
−HK$1,237/mo
Today · 4.125%
HK$41,591
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,182/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,185/mo
Today · 4.125%
HK$45,892
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,784/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,319
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,884
−HK$1,590/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,728
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,979
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,481
−HK$1,523/mo
Today · 4.125%
HK$59,004
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,008/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,735 · Scale 2, in force from 26 Feb 2026)