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$27,397
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$866/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$829/mo
Today · 4.125%
HK$32,126
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,252/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,877
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,899
−HK$1,039/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$37,064
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,575
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$995/mo
Today · 4.125%
HK$38,551
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,102/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,356
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,549
−HK$1,212/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$43,242
+HK$2,481/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,671
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,815
−HK$1,161/mo
Today · 4.125%
HK$44,976
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,952/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,315
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,559/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,596
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,863
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,334
−HK$1,493/mo
Today · 4.125%
HK$57,827
baseline
▲ 0.50% · 4.625%
HK$60,875
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,654/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,563 · Scale 2, in force from 26 Feb 2026)