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$31,775
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$1,004/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,822
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$961/mo
Today · 4.125%
HK$37,259
baseline
▲ 0.50% · 4.625%
HK$39,223
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,518/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,130
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,205/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,987
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,420
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,557
−HK$1,154/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,068
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,485
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,406/mo
Today · 4.125%
HK$47,275
baseline
▲ 0.50% · 4.625%
HK$50,151
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,550/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,489
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,817
−HK$1,346/mo
Today · 4.125%
HK$52,163
baseline
▲ 0.50% · 4.625%
HK$54,913
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,326/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,195
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,974
−HK$1,808/mo
Today · 4.125%
HK$60,782
baseline
▲ 0.50% · 4.625%
HK$64,480
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,564/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,629
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,336
−HK$1,731/mo
Today · 4.125%
HK$67,067
baseline
▲ 0.50% · 4.625%
HK$70,602
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,134/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,560 · Scale 2, in force from 26 Feb 2026)