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$27,759
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,622
−HK$878/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$840/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,311
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$1,053/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,554
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,008/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,119
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,863
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,071
−HK$1,229/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,234
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,394
−HK$1,176/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$47,972
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,966
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,579/mo
Today · 4.125%
HK$53,099
baseline
▲ 0.50% · 4.625%
HK$56,330
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,198/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,587
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,078
−HK$1,512/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$61,678
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,511 · Scale 2, in force from 26 Feb 2026)