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$27,679
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$875/mo
Today · 4.125%
HK$29,415
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,830/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$838/mo
Today · 4.125%
HK$32,457
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,914/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,215
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$1,050/mo
Today · 4.125%
HK$35,298
baseline
▲ 0.50% · 4.625%
HK$37,446
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,596/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,952
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,005/mo
Today · 4.125%
HK$38,948
baseline
▲ 0.50% · 4.625%
HK$41,001
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,896/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,751
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,957
−HK$1,224/mo
Today · 4.125%
HK$41,181
baseline
▲ 0.50% · 4.625%
HK$43,687
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,362/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,110
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,266
−HK$1,173/mo
Today · 4.125%
HK$45,439
baseline
▲ 0.50% · 4.625%
HK$47,835
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,878/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,823
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,373
−HK$1,574/mo
Today · 4.125%
HK$52,947
baseline
▲ 0.50% · 4.625%
HK$56,169
+HK$3,222/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,894/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,428
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,914
−HK$1,508/mo
Today · 4.125%
HK$58,422
baseline
▲ 0.50% · 4.625%
HK$61,502
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,844/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,203 · Scale 2, in force from 26 Feb 2026)