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$27,783
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$878/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,322
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,908
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$841/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,295
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,340
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,377
−HK$1,053/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,586
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,090
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,085
−HK$1,009/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,154
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,896
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,106
−HK$1,229/mo
Today · 4.125%
HK$41,335
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,670/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,272
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,432
−HK$1,177/mo
Today · 4.125%
HK$45,609
baseline
▲ 0.50% · 4.625%
HK$48,014
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,218/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,009
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,565
−HK$1,580/mo
Today · 4.125%
HK$53,145
baseline
▲ 0.50% · 4.625%
HK$56,379
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,290/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,635
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,127
−HK$1,514/mo
Today · 4.125%
HK$58,641
baseline
▲ 0.50% · 4.625%
HK$61,732
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,282/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,906 · Scale 2, in force from 26 Feb 2026)