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$27,952
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$884/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,096
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$846/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,542
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$1,061/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,814
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,315
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,015/mo
Today · 4.125%
HK$39,331
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,662/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,236/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,535
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,702
−HK$1,185/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,305
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,313
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,878
−HK$1,590/mo
Today · 4.125%
HK$53,468
baseline
▲ 0.50% · 4.625%
HK$56,722
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,936/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,973
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,474
−HK$1,523/mo
Today · 4.125%
HK$58,997
baseline
▲ 0.50% · 4.625%
HK$62,107
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,994/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,682 · Scale 2, in force from 26 Feb 2026)