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$27,494
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$869/mo
Today · 4.125%
HK$29,218
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,436/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,586
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$832/mo
Today · 4.125%
HK$32,239
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,478/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,992
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$1,042/mo
Today · 4.125%
HK$35,061
baseline
▲ 0.50% · 4.625%
HK$37,195
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,122/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,688
−HK$999/mo
Today · 4.125%
HK$38,687
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,374/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,491
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,688
−HK$1,217/mo
Today · 4.125%
HK$40,905
baseline
▲ 0.50% · 4.625%
HK$43,394
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,810/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,821
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,969
−HK$1,165/mo
Today · 4.125%
HK$45,134
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,268/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,489
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,028
−HK$1,564/mo
Today · 4.125%
HK$52,592
baseline
▲ 0.50% · 4.625%
HK$55,792
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,184/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,055
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,532
−HK$1,498/mo
Today · 4.125%
HK$58,030
baseline
▲ 0.50% · 4.625%
HK$61,089
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,060/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,147 · Scale 2, in force from 26 Feb 2026)