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$27,627
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$873/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$836/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,103
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,152
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$1,047/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,882
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,003/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$40,923
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,222/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,604
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,029
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,170/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$47,744
+HK$2,391/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,729
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,275
−HK$1,572/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,322
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,806
−HK$1,505/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,385
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,340 · Scale 2, in force from 26 Feb 2026)