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$27,901
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,769
−HK$881/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,039
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,872
−HK$844/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,522
−HK$1,058/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$2,165/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,247
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,246
−HK$1,013/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,070/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,061
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,234/mo
Today · 4.125%
HK$41,510
baseline
▲ 0.50% · 4.625%
HK$44,036
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,020/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,455
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,183/mo
Today · 4.125%
HK$45,803
baseline
▲ 0.50% · 4.625%
HK$48,217
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,606/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,221
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,588/mo
Today · 4.125%
HK$53,371
baseline
▲ 0.50% · 4.625%
HK$56,618
+HK$3,247/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,742/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,871
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,369
−HK$1,520/mo
Today · 4.125%
HK$58,889
baseline
▲ 0.50% · 4.625%
HK$61,993
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,778/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,842 · Scale 2, in force from 26 Feb 2026)