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$32,617
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$1,030/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,772
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$988/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,140
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,237/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$44,126
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,185/mo
Today · 4.125%
HK$45,896
baseline
▲ 0.50% · 4.625%
HK$48,315
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,792/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,664
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,084
−HK$1,443/mo
Today · 4.125%
HK$48,527
baseline
▲ 0.50% · 4.625%
HK$51,480
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,054/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,801
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,163
−HK$1,382/mo
Today · 4.125%
HK$53,545
baseline
▲ 0.50% · 4.625%
HK$56,368
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,090/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,711
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,537
−HK$1,855/mo
Today · 4.125%
HK$62,392
baseline
▲ 0.50% · 4.625%
HK$66,189
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,784/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,315
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,067
−HK$1,777/mo
Today · 4.125%
HK$68,844
baseline
▲ 0.50% · 4.625%
HK$72,473
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,688/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,404 · Scale 2, in force from 26 Feb 2026)