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$32,559
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,029/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,221
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$986/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,190
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,070
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,286
−HK$1,234/mo
Today · 4.125%
HK$41,520
baseline
▲ 0.50% · 4.625%
HK$44,047
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,040/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,465
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,631
−HK$1,183/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,228
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,582
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,000
−HK$1,440/mo
Today · 4.125%
HK$48,440
baseline
▲ 0.50% · 4.625%
HK$51,388
+HK$2,948/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,880/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,709
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,069
−HK$1,380/mo
Today · 4.125%
HK$53,449
baseline
▲ 0.50% · 4.625%
HK$56,267
+HK$2,818/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,898/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,605
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,852/mo
Today · 4.125%
HK$62,280
baseline
▲ 0.50% · 4.625%
HK$66,070
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,560/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,198
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,946
−HK$1,774/mo
Today · 4.125%
HK$68,720
baseline
▲ 0.50% · 4.625%
HK$72,343
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,440/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,443 · Scale 2, in force from 26 Feb 2026)