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$31,770
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$1,004/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,344
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,292
−HK$962/mo
Today · 4.125%
HK$37,254
baseline
▲ 0.50% · 4.625%
HK$39,218
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,508/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,205/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,413
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,551
−HK$1,154/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,061
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,479
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,862
−HK$1,406/mo
Today · 4.125%
HK$47,268
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,536/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,482
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,809
−HK$1,346/mo
Today · 4.125%
HK$52,155
baseline
▲ 0.50% · 4.625%
HK$54,905
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,310/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,187
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,966
−HK$1,807/mo
Today · 4.125%
HK$60,773
baseline
▲ 0.50% · 4.625%
HK$64,471
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,546/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,620
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,326
−HK$1,731/mo
Today · 4.125%
HK$67,057
baseline
▲ 0.50% · 4.625%
HK$70,592
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,114/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,483 · Scale 2, in force from 26 Feb 2026)