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$31,716
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,702
−HK$1,002/mo
Today · 4.125%
HK$33,704
baseline
▲ 0.50% · 4.625%
HK$35,755
+HK$2,051/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,408/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,229
−HK$960/mo
Today · 4.125%
HK$37,189
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$1,961/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,378/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,242
−HK$1,203/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,152/mo
Today · 4.125%
HK$44,627
baseline
▲ 0.50% · 4.625%
HK$46,980
+HK$2,353/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,254/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,402
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,403/mo
Today · 4.125%
HK$47,186
baseline
▲ 0.50% · 4.625%
HK$50,057
+HK$2,871/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,372/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,396
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,721
−HK$1,344/mo
Today · 4.125%
HK$52,065
baseline
▲ 0.50% · 4.625%
HK$54,810
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,130/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,088
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,864
−HK$1,804/mo
Today · 4.125%
HK$60,668
baseline
▲ 0.50% · 4.625%
HK$64,359
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,336/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,510
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,213
−HK$1,728/mo
Today · 4.125%
HK$66,941
baseline
▲ 0.50% · 4.625%
HK$70,470
+HK$3,529/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,882/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,579 · Scale 2, in force from 26 Feb 2026)