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$32,150
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$1,016/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$36,245
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$973/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,686
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,580
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,780
−HK$1,219/mo
Today · 4.125%
HK$40,999
baseline
▲ 0.50% · 4.625%
HK$43,494
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,998/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,920
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,071
−HK$1,167/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,623
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,476/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,010
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,410
−HK$1,422/mo
Today · 4.125%
HK$47,832
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,664/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,073
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,416
−HK$1,362/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,560
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,556/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,870
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,670
−HK$1,829/mo
Today · 4.125%
HK$61,499
baseline
▲ 0.50% · 4.625%
HK$65,241
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,998/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,379
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,106
−HK$1,752/mo
Today · 4.125%
HK$67,858
baseline
▲ 0.50% · 4.625%
HK$71,434
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,716/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,720 · Scale 2, in force from 26 Feb 2026)