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$27,806
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,671
−HK$878/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,934
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,763
−HK$842/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,324
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,367
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$1,054/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,010/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,928
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,139
−HK$1,230/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,886
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,307
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,178/mo
Today · 4.125%
HK$45,647
baseline
▲ 0.50% · 4.625%
HK$48,053
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,294/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,050
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,607
−HK$1,582/mo
Today · 4.125%
HK$53,189
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,378/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,681
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,174
−HK$1,515/mo
Today · 4.125%
HK$58,689
baseline
▲ 0.50% · 4.625%
HK$61,782
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,378/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,281 · Scale 2, in force from 26 Feb 2026)