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$32,115
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$1,015/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$972/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,537
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,218/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,446
+HK$2,492/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,873
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,167/mo
Today · 4.125%
HK$45,189
baseline
▲ 0.50% · 4.625%
HK$47,571
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,378/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,960
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,359
−HK$1,421/mo
Today · 4.125%
HK$47,780
baseline
▲ 0.50% · 4.625%
HK$50,687
+HK$2,907/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,560/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,018
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,359
−HK$1,361/mo
Today · 4.125%
HK$52,720
baseline
▲ 0.50% · 4.625%
HK$55,499
+HK$2,779/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,440/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,806
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,604
−HK$1,827/mo
Today · 4.125%
HK$61,431
baseline
▲ 0.50% · 4.625%
HK$65,169
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,862/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,309
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,034
−HK$1,749/mo
Today · 4.125%
HK$67,783
baseline
▲ 0.50% · 4.625%
HK$71,356
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,566/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,141 · Scale 2, in force from 26 Feb 2026)