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$33,048
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,044/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$37,257
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,765
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,751
−HK$1,001/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,042/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,891
−HK$1,253/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,709
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,200/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$48,953
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,267
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,462/mo
Today · 4.125%
HK$49,168
baseline
▲ 0.50% · 4.625%
HK$52,160
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,336/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,852
−HK$1,400/mo
Today · 4.125%
HK$54,252
baseline
▲ 0.50% · 4.625%
HK$57,112
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,504/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,486
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,336
−HK$1,880/mo
Today · 4.125%
HK$63,216
baseline
▲ 0.50% · 4.625%
HK$67,063
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,432/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,178
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,953
−HK$1,800/mo
Today · 4.125%
HK$69,753
baseline
▲ 0.50% · 4.625%
HK$73,430
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,506/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,489 · Scale 2, in force from 26 Feb 2026)