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$32,214
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$1,019/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$975/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$1,992/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,657
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,221/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,159
−HK$1,170/mo
Today · 4.125%
HK$45,329
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,658/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,100
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,503
−HK$1,425/mo
Today · 4.125%
HK$47,928
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,856/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,173
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,519
−HK$1,365/mo
Today · 4.125%
HK$52,884
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,768/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,790
−HK$1,832/mo
Today · 4.125%
HK$61,622
baseline
▲ 0.50% · 4.625%
HK$65,372
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,244/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,509
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,239
−HK$1,755/mo
Today · 4.125%
HK$67,994
baseline
▲ 0.50% · 4.625%
HK$71,578
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,988/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,783 · Scale 2, in force from 26 Feb 2026)