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$32,828
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,849
−HK$1,038/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,521
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,501
−HK$993/mo
Today · 4.125%
HK$38,494
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,988/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,619
−HK$1,245/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,825
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,192/mo
Today · 4.125%
HK$46,193
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,386/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,960
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,453/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,130
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,391/mo
Today · 4.125%
HK$53,892
baseline
▲ 0.50% · 4.625%
HK$56,733
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,784/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,091
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,929
−HK$1,868/mo
Today · 4.125%
HK$62,797
baseline
▲ 0.50% · 4.625%
HK$66,618
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,594/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,738
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,501
−HK$1,789/mo
Today · 4.125%
HK$69,290
baseline
▲ 0.50% · 4.625%
HK$72,942
+HK$3,652/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,580/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,879 · Scale 2, in force from 26 Feb 2026)