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$27,914
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,782
−HK$882/mo
Today · 4.125%
HK$29,664
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,328/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,054
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,887
−HK$845/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$1,058/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,763
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,265
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,014/mo
Today · 4.125%
HK$39,278
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,556/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,079
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,235/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$44,057
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,475
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,641
−HK$1,183/mo
Today · 4.125%
HK$45,824
baseline
▲ 0.50% · 4.625%
HK$48,240
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,648/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,245
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,808
−HK$1,588/mo
Today · 4.125%
HK$53,396
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,792/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,897
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,396
−HK$1,521/mo
Today · 4.125%
HK$58,917
baseline
▲ 0.50% · 4.625%
HK$62,023
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,834/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,058 · Scale 2, in force from 26 Feb 2026)