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$32,282
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$1,020/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$977/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,738
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,943
−HK$1,225/mo
Today · 4.125%
HK$41,168
baseline
▲ 0.50% · 4.625%
HK$43,673
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,336/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,096
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,172/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$47,819
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,601
−HK$1,428/mo
Today · 4.125%
HK$48,029
baseline
▲ 0.50% · 4.625%
HK$50,951
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,058/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,279
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,627
−HK$1,368/mo
Today · 4.125%
HK$52,995
baseline
▲ 0.50% · 4.625%
HK$55,789
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,990/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,108
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,915
−HK$1,837/mo
Today · 4.125%
HK$61,752
baseline
▲ 0.50% · 4.625%
HK$65,509
+HK$3,757/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,504/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,644
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$1,759/mo
Today · 4.125%
HK$68,137
baseline
▲ 0.50% · 4.625%
HK$71,728
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,274/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,895 · Scale 2, in force from 26 Feb 2026)