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$27,805
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,669
−HK$879/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$842/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,322
+HK$1,718/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$1,055/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,010/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,926
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,230/mo
Today · 4.125%
HK$41,367
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,734/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,305
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,467
−HK$1,178/mo
Today · 4.125%
HK$45,645
baseline
▲ 0.50% · 4.625%
HK$48,051
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,290/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,048
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,605
−HK$1,582/mo
Today · 4.125%
HK$53,187
baseline
▲ 0.50% · 4.625%
HK$56,423
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,374/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,678
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,171
−HK$1,515/mo
Today · 4.125%
HK$58,686
baseline
▲ 0.50% · 4.625%
HK$61,780
+HK$3,094/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,372/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,261 · Scale 2, in force from 26 Feb 2026)