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$31,738
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$1,003/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,781
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$960/mo
Today · 4.125%
HK$37,216
baseline
▲ 0.50% · 4.625%
HK$39,178
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,432/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,086
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,203/mo
Today · 4.125%
HK$40,474
baseline
▲ 0.50% · 4.625%
HK$42,937
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,948/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,370
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,152/mo
Today · 4.125%
HK$44,659
baseline
▲ 0.50% · 4.625%
HK$47,013
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,318/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,434
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,816
−HK$1,404/mo
Today · 4.125%
HK$47,220
baseline
▲ 0.50% · 4.625%
HK$50,093
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,440/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,432
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,758
−HK$1,345/mo
Today · 4.125%
HK$52,103
baseline
▲ 0.50% · 4.625%
HK$54,849
+HK$2,746/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,206/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,129
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,906
−HK$1,805/mo
Today · 4.125%
HK$60,711
baseline
▲ 0.50% · 4.625%
HK$64,406
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,422/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,555
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,260
−HK$1,729/mo
Today · 4.125%
HK$66,989
baseline
▲ 0.50% · 4.625%
HK$70,520
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,978/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,954 · Scale 2, in force from 26 Feb 2026)