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$27,429
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$867/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,514
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$830/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$1,041/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$37,107
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,617
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,599
−HK$996/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,630
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,213/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$43,291
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,866
−HK$1,162/mo
Today · 4.125%
HK$45,028
baseline
▲ 0.50% · 4.625%
HK$47,401
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,056/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,372
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,908
−HK$1,560/mo
Today · 4.125%
HK$52,468
baseline
▲ 0.50% · 4.625%
HK$55,660
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,936/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,926
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,399
−HK$1,494/mo
Today · 4.125%
HK$57,893
baseline
▲ 0.50% · 4.625%
HK$60,945
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,786/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,081 · Scale 2, in force from 26 Feb 2026)