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$27,451
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,304
−HK$868/mo
Today · 4.125%
HK$29,172
baseline
▲ 0.50% · 4.625%
HK$30,947
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,344/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$831/mo
Today · 4.125%
HK$32,188
baseline
▲ 0.50% · 4.625%
HK$33,885
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,376/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,965
−HK$1,041/mo
Today · 4.125%
HK$35,006
baseline
▲ 0.50% · 4.625%
HK$37,136
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,012/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,646
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$997/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,662
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,431
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,626
−HK$1,215/mo
Today · 4.125%
HK$40,841
baseline
▲ 0.50% · 4.625%
HK$43,326
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,682/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,900
−HK$1,164/mo
Today · 4.125%
HK$45,064
baseline
▲ 0.50% · 4.625%
HK$47,439
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,128/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,411
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,948
−HK$1,562/mo
Today · 4.125%
HK$52,510
baseline
▲ 0.50% · 4.625%
HK$55,705
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,020/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,969
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,443
−HK$1,496/mo
Today · 4.125%
HK$57,939
baseline
▲ 0.50% · 4.625%
HK$60,993
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,878/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,439 · Scale 2, in force from 26 Feb 2026)