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$27,809
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$879/mo
Today · 4.125%
HK$29,553
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,106/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,767
−HK$842/mo
Today · 4.125%
HK$32,609
baseline
▲ 0.50% · 4.625%
HK$34,328
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,218/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,371
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$1,055/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,125
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,010/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,933
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,144
−HK$1,230/mo
Today · 4.125%
HK$41,374
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,748/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,474
−HK$1,179/mo
Today · 4.125%
HK$45,653
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,306/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,057
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,614
−HK$1,582/mo
Today · 4.125%
HK$53,196
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,392/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,688
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,181
−HK$1,515/mo
Today · 4.125%
HK$58,696
baseline
▲ 0.50% · 4.625%
HK$61,790
+HK$3,094/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,392/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,338 · Scale 2, in force from 26 Feb 2026)