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$27,614
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$873/mo
Today · 4.125%
HK$29,346
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,785/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,692/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,720
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$836/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,137
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$1,048/mo
Today · 4.125%
HK$35,215
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,430/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,864
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,003/mo
Today · 4.125%
HK$38,856
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,712/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,862
−HK$1,222/mo
Today · 4.125%
HK$41,084
baseline
▲ 0.50% · 4.625%
HK$43,584
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,168/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,008
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,162
−HK$1,170/mo
Today · 4.125%
HK$45,332
baseline
▲ 0.50% · 4.625%
HK$47,721
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,664/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,705
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,251
−HK$1,571/mo
Today · 4.125%
HK$52,822
baseline
▲ 0.50% · 4.625%
HK$56,036
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,644/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,296
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,779
−HK$1,505/mo
Today · 4.125%
HK$58,284
baseline
▲ 0.50% · 4.625%
HK$61,356
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,568/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,126 · Scale 2, in force from 26 Feb 2026)