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$32,358
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$1,023/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$2,092/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,998
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$979/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$39,943
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,830
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,227/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,776
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,198
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,357
−HK$1,175/mo
Today · 4.125%
HK$45,532
baseline
▲ 0.50% · 4.625%
HK$47,932
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,064/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,302
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,711
−HK$1,432/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$51,072
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,398
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,749
−HK$1,372/mo
Today · 4.125%
HK$53,121
baseline
▲ 0.50% · 4.625%
HK$55,921
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,242/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,245
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,057
−HK$1,841/mo
Today · 4.125%
HK$61,898
baseline
▲ 0.50% · 4.625%
HK$65,664
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,796/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,797
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,535
−HK$1,763/mo
Today · 4.125%
HK$68,298
baseline
▲ 0.50% · 4.625%
HK$71,898
+HK$3,600/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,596/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,151 · Scale 2, in force from 26 Feb 2026)