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$27,489
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$869/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,990
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,581
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$832/mo
Today · 4.125%
HK$32,233
baseline
▲ 0.50% · 4.625%
HK$33,932
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,466/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,986
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$1,042/mo
Today · 4.125%
HK$35,055
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,110/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,697
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$999/mo
Today · 4.125%
HK$38,680
baseline
▲ 0.50% · 4.625%
HK$40,719
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,360/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,484
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,681
−HK$1,217/mo
Today · 4.125%
HK$40,898
baseline
▲ 0.50% · 4.625%
HK$43,386
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,796/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,813
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,164/mo
Today · 4.125%
HK$45,126
baseline
▲ 0.50% · 4.625%
HK$47,505
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,252/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,564/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$3,199/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,046
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,522
−HK$1,498/mo
Today · 4.125%
HK$58,020
baseline
▲ 0.50% · 4.625%
HK$61,078
+HK$3,058/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,040/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,067 · Scale 2, in force from 26 Feb 2026)