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$27,472
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,327
−HK$868/mo
Today · 4.125%
HK$29,195
baseline
▲ 0.50% · 4.625%
HK$30,971
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,390/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,562
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$832/mo
Today · 4.125%
HK$32,214
baseline
▲ 0.50% · 4.625%
HK$33,912
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,428/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,966
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,992
−HK$1,042/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$37,166
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,675
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,658
−HK$998/mo
Today · 4.125%
HK$38,656
baseline
▲ 0.50% · 4.625%
HK$40,694
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,312/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,461
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,216/mo
Today · 4.125%
HK$40,873
baseline
▲ 0.50% · 4.625%
HK$43,360
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,746/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,787
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,935
−HK$1,164/mo
Today · 4.125%
HK$45,099
baseline
▲ 0.50% · 4.625%
HK$47,476
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,198/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,450
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,563/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,748
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,012
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,488
−HK$1,496/mo
Today · 4.125%
HK$57,984
baseline
▲ 0.50% · 4.625%
HK$61,041
+HK$3,057/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,968/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,793 · Scale 2, in force from 26 Feb 2026)