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$32,574
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$1,030/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,723
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,238
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$986/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,210
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,089
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,235/mo
Today · 4.125%
HK$41,540
baseline
▲ 0.50% · 4.625%
HK$44,068
+HK$2,528/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,080/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,486
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,652
−HK$1,184/mo
Today · 4.125%
HK$45,836
baseline
▲ 0.50% · 4.625%
HK$48,252
+HK$2,416/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,672/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,604
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,022
−HK$1,442/mo
Today · 4.125%
HK$48,464
baseline
▲ 0.50% · 4.625%
HK$51,412
+HK$2,948/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,928/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,734
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,094
−HK$1,381/mo
Today · 4.125%
HK$53,475
baseline
▲ 0.50% · 4.625%
HK$56,294
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,950/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,633
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,853/mo
Today · 4.125%
HK$62,310
baseline
▲ 0.50% · 4.625%
HK$66,102
+HK$3,792/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,620/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,229
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,979
−HK$1,774/mo
Today · 4.125%
HK$68,753
baseline
▲ 0.50% · 4.625%
HK$72,377
+HK$3,624/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,506/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,699 · Scale 2, in force from 26 Feb 2026)