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$32,806
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,826
−HK$1,037/mo
Today · 4.125%
HK$34,863
baseline
▲ 0.50% · 4.625%
HK$36,984
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,726/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,496
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$993/mo
Today · 4.125%
HK$38,468
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,936/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,367
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,244/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,795
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,192/mo
Today · 4.125%
HK$46,162
baseline
▲ 0.50% · 4.625%
HK$48,595
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,324/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,928
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,357
−HK$1,451/mo
Today · 4.125%
HK$48,808
baseline
▲ 0.50% · 4.625%
HK$51,778
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,616/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,095
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,465
−HK$1,390/mo
Today · 4.125%
HK$53,855
baseline
▲ 0.50% · 4.625%
HK$56,694
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,710/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,051
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,887
−HK$1,867/mo
Today · 4.125%
HK$62,754
baseline
▲ 0.50% · 4.625%
HK$66,572
+HK$3,818/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,508/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,693
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,455
−HK$1,787/mo
Today · 4.125%
HK$69,242
baseline
▲ 0.50% · 4.625%
HK$72,892
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,484/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,511 · Scale 2, in force from 26 Feb 2026)