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$27,847
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$880/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,394
+HK$1,800/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,811
−HK$843/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,456
−HK$1,056/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,673
+HK$2,161/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,173
−HK$1,012/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,986
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,232/mo
Today · 4.125%
HK$41,431
baseline
▲ 0.50% · 4.625%
HK$43,952
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,862/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,372
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,535
−HK$1,180/mo
Today · 4.125%
HK$45,715
baseline
▲ 0.50% · 4.625%
HK$48,125
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,430/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,125
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,584/mo
Today · 4.125%
HK$53,269
baseline
▲ 0.50% · 4.625%
HK$56,510
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,538/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,764
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,260
−HK$1,517/mo
Today · 4.125%
HK$58,777
baseline
▲ 0.50% · 4.625%
HK$61,875
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,554/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,967 · Scale 2, in force from 26 Feb 2026)