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$27,955
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$883/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,515
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,099
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$846/mo
Today · 4.125%
HK$32,779
baseline
▲ 0.50% · 4.625%
HK$34,507
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,558/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,545
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,589
−HK$1,060/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,319
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,320
−HK$1,015/mo
Today · 4.125%
HK$39,335
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,670/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,136
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,354
−HK$1,236/mo
Today · 4.125%
HK$41,590
baseline
▲ 0.50% · 4.625%
HK$44,121
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,180/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,539
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,185/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,310
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,318
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,883
−HK$1,590/mo
Today · 4.125%
HK$53,473
baseline
▲ 0.50% · 4.625%
HK$56,727
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,946/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,978
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,523/mo
Today · 4.125%
HK$59,003
baseline
▲ 0.50% · 4.625%
HK$62,113
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,006/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,727 · Scale 2, in force from 26 Feb 2026)