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$27,589
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$871/mo
Today · 4.125%
HK$29,319
baseline
▲ 0.50% · 4.625%
HK$31,103
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,638/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$835/mo
Today · 4.125%
HK$32,351
baseline
▲ 0.50% · 4.625%
HK$34,056
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,702/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,107
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$1,046/mo
Today · 4.125%
HK$35,183
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,366/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,831
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,002/mo
Today · 4.125%
HK$38,821
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,642/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,625
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,827
−HK$1,220/mo
Today · 4.125%
HK$41,047
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,094/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,970
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,122
−HK$1,170/mo
Today · 4.125%
HK$45,292
baseline
▲ 0.50% · 4.625%
HK$47,679
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,584/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,661
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,206
−HK$1,569/mo
Today · 4.125%
HK$52,775
baseline
▲ 0.50% · 4.625%
HK$55,986
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,550/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,247
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,729
−HK$1,503/mo
Today · 4.125%
HK$58,232
baseline
▲ 0.50% · 4.625%
HK$61,301
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,464/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,721 · Scale 2, in force from 26 Feb 2026)