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$27,505
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,361
−HK$869/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$832/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$33,953
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,006
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$1,043/mo
Today · 4.125%
HK$35,076
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,152/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,719
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,704
−HK$999/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$40,743
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,507
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,705
−HK$1,217/mo
Today · 4.125%
HK$40,922
baseline
▲ 0.50% · 4.625%
HK$43,412
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,844/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,839
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,165/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,534
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,049
−HK$1,565/mo
Today · 4.125%
HK$52,614
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,228/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,079
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,556
−HK$1,498/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,115
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,339 · Scale 2, in force from 26 Feb 2026)