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$27,582
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$872/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$835/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$1,047/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,822
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,002/mo
Today · 4.125%
HK$38,812
baseline
▲ 0.50% · 4.625%
HK$40,857
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,624/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,220/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,534
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,959
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,111
−HK$1,169/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$47,667
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,648
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,569/mo
Today · 4.125%
HK$52,762
baseline
▲ 0.50% · 4.625%
HK$55,972
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,524/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,233
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,715
−HK$1,502/mo
Today · 4.125%
HK$58,217
baseline
▲ 0.50% · 4.625%
HK$61,286
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,434/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,608 · Scale 2, in force from 26 Feb 2026)