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$32,055
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$1,013/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$36,138
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,617
−HK$971/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,466
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,663
−HK$1,215/mo
Today · 4.125%
HK$40,878
baseline
▲ 0.50% · 4.625%
HK$43,366
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,756/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,793
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,941
−HK$1,164/mo
Today · 4.125%
HK$45,105
baseline
▲ 0.50% · 4.625%
HK$47,483
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,210/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,877
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,273
−HK$1,418/mo
Today · 4.125%
HK$47,691
baseline
▲ 0.50% · 4.625%
HK$50,593
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,382/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,925
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,264
−HK$1,359/mo
Today · 4.125%
HK$52,623
baseline
▲ 0.50% · 4.625%
HK$55,397
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,246/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,699
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,494
−HK$1,824/mo
Today · 4.125%
HK$61,318
baseline
▲ 0.50% · 4.625%
HK$65,049
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,636/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,190
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,911
−HK$1,747/mo
Today · 4.125%
HK$67,658
baseline
▲ 0.50% · 4.625%
HK$71,224
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,316/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,165 · Scale 2, in force from 26 Feb 2026)