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$27,574
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,431
−HK$872/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,675
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$835/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$1,045/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,798
−HK$1,001/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,603
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,220/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,946
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,097
−HK$1,169/mo
Today · 4.125%
HK$45,266
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,532/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,569/mo
Today · 4.125%
HK$52,745
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,490/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,216
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,697
−HK$1,502/mo
Today · 4.125%
HK$58,199
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,398/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,463 · Scale 2, in force from 26 Feb 2026)