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$27,476
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,331
−HK$869/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,976
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,400/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,567
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$832/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,972
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$1,042/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,681
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,665
−HK$998/mo
Today · 4.125%
HK$38,663
baseline
▲ 0.50% · 4.625%
HK$40,700
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,326/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,467
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,664
−HK$1,215/mo
Today · 4.125%
HK$40,879
baseline
▲ 0.50% · 4.625%
HK$43,367
+HK$2,488/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,758/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,794
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,164/mo
Today · 4.125%
HK$45,106
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,378/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,212/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,458
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,996
−HK$1,563/mo
Today · 4.125%
HK$52,559
baseline
▲ 0.50% · 4.625%
HK$55,757
+HK$3,198/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,118/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,021
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,497
−HK$1,497/mo
Today · 4.125%
HK$57,994
baseline
▲ 0.50% · 4.625%
HK$61,051
+HK$3,057/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,988/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,866 · Scale 2, in force from 26 Feb 2026)