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$27,899
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$882/mo
Today · 4.125%
HK$29,649
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,298/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$844/mo
Today · 4.125%
HK$32,714
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,428/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,479
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$1,058/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$2,165/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,245
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,244
−HK$1,013/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,234/mo
Today · 4.125%
HK$41,508
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$83,016/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,618
−HK$1,182/mo
Today · 4.125%
HK$45,800
baseline
▲ 0.50% · 4.625%
HK$48,214
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,600/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,780
−HK$1,587/mo
Today · 4.125%
HK$53,367
baseline
▲ 0.50% · 4.625%
HK$56,615
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,734/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,867
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,366
−HK$1,520/mo
Today · 4.125%
HK$58,886
baseline
▲ 0.50% · 4.625%
HK$61,990
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,772/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,815 · Scale 2, in force from 26 Feb 2026)