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$32,060
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$1,013/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$36,144
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,667
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,623
−HK$971/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,575
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,472
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,669
−HK$1,216/mo
Today · 4.125%
HK$40,885
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,770/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,800
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,948
−HK$1,165/mo
Today · 4.125%
HK$45,113
baseline
▲ 0.50% · 4.625%
HK$47,491
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,226/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,885
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,281
−HK$1,418/mo
Today · 4.125%
HK$47,699
baseline
▲ 0.50% · 4.625%
HK$50,602
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,398/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,934
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,273
−HK$1,358/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,406
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,709
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,824/mo
Today · 4.125%
HK$61,328
baseline
▲ 0.50% · 4.625%
HK$65,059
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,656/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,200
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,922
−HK$1,747/mo
Today · 4.125%
HK$67,669
baseline
▲ 0.50% · 4.625%
HK$71,236
+HK$3,567/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,338/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,250 · Scale 2, in force from 26 Feb 2026)