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$31,954
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$1,010/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$967/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,345
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,538
−HK$1,211/mo
Today · 4.125%
HK$40,749
baseline
▲ 0.50% · 4.625%
HK$43,229
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,498/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,802
−HK$1,161/mo
Today · 4.125%
HK$44,963
baseline
▲ 0.50% · 4.625%
HK$47,333
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,926/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,736
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,127
−HK$1,414/mo
Today · 4.125%
HK$47,541
baseline
▲ 0.50% · 4.625%
HK$50,434
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,082/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,768
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,103
−HK$1,354/mo
Today · 4.125%
HK$52,457
baseline
▲ 0.50% · 4.625%
HK$55,222
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,914/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,306
−HK$1,818/mo
Today · 4.125%
HK$61,124
baseline
▲ 0.50% · 4.625%
HK$64,843
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,248/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,704
−HK$1,740/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,501 · Scale 2, in force from 26 Feb 2026)