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$31,863
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,854
−HK$1,007/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,447
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$964/mo
Today · 4.125%
HK$37,362
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,724/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,235
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,208/mo
Today · 4.125%
HK$40,633
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,266/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,537
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,677
−HK$1,158/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,198
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,996
−HK$1,409/mo
Today · 4.125%
HK$47,405
baseline
▲ 0.50% · 4.625%
HK$50,290
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,810/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,626
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,350/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,137
−HK$1,813/mo
Today · 4.125%
HK$60,950
baseline
▲ 0.50% · 4.625%
HK$64,658
+HK$3,708/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,900/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,805
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$1,736/mo
Today · 4.125%
HK$67,252
baseline
▲ 0.50% · 4.625%
HK$70,797
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,504/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,002 · Scale 2, in force from 26 Feb 2026)