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$32,414
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$1,024/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,543
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,028
−HK$981/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,897
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,107
−HK$1,229/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,852
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,672/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,273
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,178/mo
Today · 4.125%
HK$45,611
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,222/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,380
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,792
−HK$1,434/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$51,160
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,485
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,839
−HK$1,373/mo
Today · 4.125%
HK$53,212
baseline
▲ 0.50% · 4.625%
HK$56,017
+HK$2,805/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,424/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,346
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,161
−HK$1,844/mo
Today · 4.125%
HK$62,005
baseline
▲ 0.50% · 4.625%
HK$65,777
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$124,010/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,909
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,650
−HK$1,766/mo
Today · 4.125%
HK$68,416
baseline
▲ 0.50% · 4.625%
HK$72,022
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,832/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,071 · Scale 2, in force from 26 Feb 2026)