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$31,869
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$1,008/mo
Today · 4.125%
HK$33,868
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,736/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,454
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$965/mo
Today · 4.125%
HK$37,370
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,740/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,433
−HK$1,208/mo
Today · 4.125%
HK$40,641
baseline
▲ 0.50% · 4.625%
HK$43,114
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,282/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,157/mo
Today · 4.125%
HK$44,843
baseline
▲ 0.50% · 4.625%
HK$47,207
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,686/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,617
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,005
−HK$1,410/mo
Today · 4.125%
HK$47,415
baseline
▲ 0.50% · 4.625%
HK$50,300
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,830/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,636
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,967
−HK$1,350/mo
Today · 4.125%
HK$52,317
baseline
▲ 0.50% · 4.625%
HK$55,075
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,634/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,364
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,149
−HK$1,813/mo
Today · 4.125%
HK$60,962
baseline
▲ 0.50% · 4.625%
HK$64,671
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,924/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,817
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,529
−HK$1,736/mo
Today · 4.125%
HK$67,265
baseline
▲ 0.50% · 4.625%
HK$70,811
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,530/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,105 · Scale 2, in force from 26 Feb 2026)