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$32,640
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$1,032/mo
Today · 4.125%
HK$34,687
baseline
▲ 0.50% · 4.625%
HK$36,797
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,374/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,312
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,286
−HK$987/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,168
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,238/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$44,157
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,574
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,185/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,349
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,117
−HK$1,445/mo
Today · 4.125%
HK$48,562
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,124/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,836
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,200
−HK$1,383/mo
Today · 4.125%
HK$53,583
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,166/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,752
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,579
−HK$1,857/mo
Today · 4.125%
HK$62,436
baseline
▲ 0.50% · 4.625%
HK$66,235
+HK$3,799/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,872/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,361
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,114
−HK$1,778/mo
Today · 4.125%
HK$68,892
baseline
▲ 0.50% · 4.625%
HK$72,524
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,784/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,782 · Scale 2, in force from 26 Feb 2026)