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$32,233
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$1,019/mo
Today · 4.125%
HK$34,255
baseline
▲ 0.50% · 4.625%
HK$36,339
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,510/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,859
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,821
−HK$976/mo
Today · 4.125%
HK$37,797
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,594/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,883
−HK$1,223/mo
Today · 4.125%
HK$41,106
baseline
▲ 0.50% · 4.625%
HK$43,607
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,212/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,031
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,185
−HK$1,171/mo
Today · 4.125%
HK$45,356
baseline
▲ 0.50% · 4.625%
HK$47,747
+HK$2,391/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,712/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,127
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,427/mo
Today · 4.125%
HK$47,957
baseline
▲ 0.50% · 4.625%
HK$50,875
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,914/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,203
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,549
−HK$1,366/mo
Today · 4.125%
HK$52,915
baseline
▲ 0.50% · 4.625%
HK$55,705
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,830/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,020
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,825
−HK$1,833/mo
Today · 4.125%
HK$61,658
baseline
▲ 0.50% · 4.625%
HK$65,410
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,316/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,547
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,278
−HK$1,756/mo
Today · 4.125%
HK$68,034
baseline
▲ 0.50% · 4.625%
HK$71,620
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,068/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,095 · Scale 2, in force from 26 Feb 2026)