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$32,137
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,136
−HK$1,016/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$36,230
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,752
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,711
−HK$972/mo
Today · 4.125%
HK$37,683
baseline
▲ 0.50% · 4.625%
HK$39,670
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,366/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,764
−HK$1,218/mo
Today · 4.125%
HK$40,982
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,964/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,053
−HK$1,167/mo
Today · 4.125%
HK$45,220
baseline
▲ 0.50% · 4.625%
HK$47,604
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,440/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,991
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,422/mo
Today · 4.125%
HK$47,813
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,626/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,052
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,395
−HK$1,362/mo
Today · 4.125%
HK$52,757
baseline
▲ 0.50% · 4.625%
HK$55,538
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,514/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,846
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,829/mo
Today · 4.125%
HK$61,474
baseline
▲ 0.50% · 4.625%
HK$65,214
+HK$3,740/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,948/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,353
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,079
−HK$1,751/mo
Today · 4.125%
HK$67,830
baseline
▲ 0.50% · 4.625%
HK$71,405
+HK$3,575/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,660/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,506 · Scale 2, in force from 26 Feb 2026)