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$32,908
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$1,040/mo
Today · 4.125%
HK$34,971
baseline
▲ 0.50% · 4.625%
HK$37,099
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,942/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,609
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,591
−HK$996/mo
Today · 4.125%
HK$38,587
baseline
▲ 0.50% · 4.625%
HK$40,621
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,174/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,489
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,717
−HK$1,248/mo
Today · 4.125%
HK$41,965
baseline
▲ 0.50% · 4.625%
HK$44,519
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,930/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,931
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,109
−HK$1,196/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$48,745
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,071
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,504
−HK$1,456/mo
Today · 4.125%
HK$48,960
baseline
▲ 0.50% · 4.625%
HK$51,939
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,920/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,253
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,628
−HK$1,394/mo
Today · 4.125%
HK$54,022
baseline
▲ 0.50% · 4.625%
HK$56,870
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,044/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,234
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,076
−HK$1,872/mo
Today · 4.125%
HK$62,948
baseline
▲ 0.50% · 4.625%
HK$66,778
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,896/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,897
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,664
−HK$1,793/mo
Today · 4.125%
HK$69,457
baseline
▲ 0.50% · 4.625%
HK$73,118
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,914/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,182 · Scale 2, in force from 26 Feb 2026)