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$27,610
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$872/mo
Today · 4.125%
HK$29,341
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,786/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,682/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,716
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$835/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,132
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,163
−HK$1,047/mo
Today · 4.125%
HK$35,210
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,420/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,002/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,222/mo
Today · 4.125%
HK$41,078
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,156/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,170/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$47,715
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,698
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,244
−HK$1,570/mo
Today · 4.125%
HK$52,814
baseline
▲ 0.50% · 4.625%
HK$56,028
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,628/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,288
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,505/mo
Today · 4.125%
HK$58,276
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,552/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,061 · Scale 2, in force from 26 Feb 2026)