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$27,631
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$873/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,564
−HK$836/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,158
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$1,048/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,887
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,877
−HK$1,003/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$40,930
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,684
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,887
−HK$1,223/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,501/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,035
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,170/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,736
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,283
−HK$1,572/mo
Today · 4.125%
HK$52,855
baseline
▲ 0.50% · 4.625%
HK$56,071
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,710/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,331
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,815
−HK$1,506/mo
Today · 4.125%
HK$58,321
baseline
▲ 0.50% · 4.625%
HK$61,395
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,642/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,412 · Scale 2, in force from 26 Feb 2026)