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$27,512
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$869/mo
Today · 4.125%
HK$29,237
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,474/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$832/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$33,961
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,014
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,041
−HK$1,044/mo
Today · 4.125%
HK$35,085
baseline
▲ 0.50% · 4.625%
HK$37,220
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,170/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,728
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,713
−HK$1,000/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,040/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,517
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,715
−HK$1,217/mo
Today · 4.125%
HK$40,932
baseline
▲ 0.50% · 4.625%
HK$43,423
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,864/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,850
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,999
−HK$1,166/mo
Today · 4.125%
HK$45,165
baseline
▲ 0.50% · 4.625%
HK$47,545
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,330/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,522
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,062
−HK$1,565/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,829
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,092
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,570
−HK$1,499/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,130
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,450 · Scale 2, in force from 26 Feb 2026)