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$27,494
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$868/mo
Today · 4.125%
HK$29,218
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,436/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$833/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,993
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$1,043/mo
Today · 4.125%
HK$35,062
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,124/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,705
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,689
−HK$999/mo
Today · 4.125%
HK$38,688
baseline
▲ 0.50% · 4.625%
HK$40,727
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,376/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,689
−HK$1,217/mo
Today · 4.125%
HK$40,906
baseline
▲ 0.50% · 4.625%
HK$43,395
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,812/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,822
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,970
−HK$1,165/mo
Today · 4.125%
HK$45,135
baseline
▲ 0.50% · 4.625%
HK$47,515
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,270/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,490
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,029
−HK$1,564/mo
Today · 4.125%
HK$52,593
baseline
▲ 0.50% · 4.625%
HK$55,793
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,186/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,057
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,533
−HK$1,498/mo
Today · 4.125%
HK$58,031
baseline
▲ 0.50% · 4.625%
HK$61,090
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,062/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,158 · Scale 2, in force from 26 Feb 2026)