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$27,486
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,341
−HK$869/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,987
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,578
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$832/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,983
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,009
−HK$1,042/mo
Today · 4.125%
HK$35,051
baseline
▲ 0.50% · 4.625%
HK$37,184
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,102/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$999/mo
Today · 4.125%
HK$38,676
baseline
▲ 0.50% · 4.625%
HK$40,714
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,352/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,677
−HK$1,216/mo
Today · 4.125%
HK$40,893
baseline
▲ 0.50% · 4.625%
HK$43,382
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,786/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,809
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,165/mo
Today · 4.125%
HK$45,122
baseline
▲ 0.50% · 4.625%
HK$47,500
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,244/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,563/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,776
+HK$3,199/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,040
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,498/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,072
+HK$3,058/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,020 · Scale 2, in force from 26 Feb 2026)