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$27,740
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$877/mo
Today · 4.125%
HK$29,480
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,960/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,861
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$840/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,288
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,324
−HK$1,052/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,026
−HK$1,008/mo
Today · 4.125%
HK$39,034
baseline
▲ 0.50% · 4.625%
HK$41,091
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,068/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,836
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,044
−HK$1,228/mo
Today · 4.125%
HK$41,272
baseline
▲ 0.50% · 4.625%
HK$43,783
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,544/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,205
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,364
−HK$1,175/mo
Today · 4.125%
HK$45,539
baseline
▲ 0.50% · 4.625%
HK$47,940
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,078/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,933
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,486
−HK$1,578/mo
Today · 4.125%
HK$53,064
baseline
▲ 0.50% · 4.625%
HK$56,293
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,128/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,549
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,039
−HK$1,512/mo
Today · 4.125%
HK$58,551
baseline
▲ 0.50% · 4.625%
HK$61,637
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,102/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,204 · Scale 2, in force from 26 Feb 2026)