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$32,916
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$1,040/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$37,109
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,619
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$996/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,632
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,728
−HK$1,248/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,943
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,196/mo
Today · 4.125%
HK$46,317
baseline
▲ 0.50% · 4.625%
HK$48,758
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,634/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,083
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,516
−HK$1,456/mo
Today · 4.125%
HK$48,972
baseline
▲ 0.50% · 4.625%
HK$51,952
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,944/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,266
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,641
−HK$1,395/mo
Today · 4.125%
HK$54,036
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,072/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,249
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,092
−HK$1,872/mo
Today · 4.125%
HK$62,964
baseline
▲ 0.50% · 4.625%
HK$66,796
+HK$3,832/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,928/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,914
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,682
−HK$1,793/mo
Today · 4.125%
HK$69,475
baseline
▲ 0.50% · 4.625%
HK$73,137
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,950/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,323 · Scale 2, in force from 26 Feb 2026)