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$32,110
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$1,015/mo
Today · 4.125%
HK$34,124
baseline
▲ 0.50% · 4.625%
HK$36,200
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,248/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,722
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,680
−HK$972/mo
Today · 4.125%
HK$37,652
baseline
▲ 0.50% · 4.625%
HK$39,637
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,304/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,532
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,217/mo
Today · 4.125%
HK$40,948
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,492/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,896/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,866
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,016
−HK$1,166/mo
Today · 4.125%
HK$45,182
baseline
▲ 0.50% · 4.625%
HK$47,564
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,364/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,954
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,352
−HK$1,421/mo
Today · 4.125%
HK$47,773
baseline
▲ 0.50% · 4.625%
HK$50,680
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,546/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,011
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,352
−HK$1,361/mo
Today · 4.125%
HK$52,713
baseline
▲ 0.50% · 4.625%
HK$55,491
+HK$2,778/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,426/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,798
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,596
−HK$1,826/mo
Today · 4.125%
HK$61,422
baseline
▲ 0.50% · 4.625%
HK$65,160
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,844/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,300
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,024
−HK$1,750/mo
Today · 4.125%
HK$67,774
baseline
▲ 0.50% · 4.625%
HK$71,346
+HK$3,572/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,548/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,066 · Scale 2, in force from 26 Feb 2026)