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$27,570
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$872/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$31,081
+HK$1,782/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,671
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,494
−HK$834/mo
Today · 4.125%
HK$32,328
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,656/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$1,045/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,298
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,805
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,792
−HK$1,002/mo
Today · 4.125%
HK$38,794
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,588/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,798
−HK$1,220/mo
Today · 4.125%
HK$41,018
baseline
▲ 0.50% · 4.625%
HK$43,514
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,036/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,940
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,091
−HK$1,168/mo
Today · 4.125%
HK$45,259
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,518/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,626
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,169
−HK$1,569/mo
Today · 4.125%
HK$52,738
baseline
▲ 0.50% · 4.625%
HK$55,947
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,476/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,208
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,689
−HK$1,502/mo
Today · 4.125%
HK$58,191
baseline
▲ 0.50% · 4.625%
HK$61,258
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,382/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,400 · Scale 2, in force from 26 Feb 2026)