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$27,580
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$872/mo
Today · 4.125%
HK$29,310
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,620/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,506
−HK$834/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,096
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$1,046/mo
Today · 4.125%
HK$35,172
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,344/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,819
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,807
−HK$1,001/mo
Today · 4.125%
HK$38,808
baseline
▲ 0.50% · 4.625%
HK$40,854
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,616/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,813
−HK$1,221/mo
Today · 4.125%
HK$41,034
baseline
▲ 0.50% · 4.625%
HK$43,530
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,068/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,956
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,169/mo
Today · 4.125%
HK$45,277
baseline
▲ 0.50% · 4.625%
HK$47,663
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,554/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,644
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,189
−HK$1,568/mo
Today · 4.125%
HK$52,757
baseline
▲ 0.50% · 4.625%
HK$55,968
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,514/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,229
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,503/mo
Today · 4.125%
HK$58,213
baseline
▲ 0.50% · 4.625%
HK$61,281
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,426/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,571 · Scale 2, in force from 26 Feb 2026)