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$27,768
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,632
−HK$877/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,305
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,892
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$841/mo
Today · 4.125%
HK$32,561
baseline
▲ 0.50% · 4.625%
HK$34,277
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,122/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,322
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,358
−HK$1,053/mo
Today · 4.125%
HK$35,411
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,822/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,070
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,064
−HK$1,009/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,133
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,085
−HK$1,228/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,249
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,408
−HK$1,177/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$47,988
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,983
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,580/mo
Today · 4.125%
HK$53,117
baseline
▲ 0.50% · 4.625%
HK$56,349
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,234/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,605
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,097
−HK$1,512/mo
Today · 4.125%
HK$58,609
baseline
▲ 0.50% · 4.625%
HK$61,699
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,218/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,663 · Scale 2, in force from 26 Feb 2026)