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$32,506
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$1,027/mo
Today · 4.125%
HK$34,544
baseline
▲ 0.50% · 4.625%
HK$36,646
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,088/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,162
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,132
−HK$984/mo
Today · 4.125%
HK$38,116
baseline
▲ 0.50% · 4.625%
HK$40,125
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,232/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,233/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,975
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,395
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,559
−HK$1,180/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,150
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,508
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,924
−HK$1,438/mo
Today · 4.125%
HK$48,362
baseline
▲ 0.50% · 4.625%
HK$51,305
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,724/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,627
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,985
−HK$1,378/mo
Today · 4.125%
HK$53,363
baseline
▲ 0.50% · 4.625%
HK$56,175
+HK$2,812/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,726/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,510
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,330
−HK$1,850/mo
Today · 4.125%
HK$62,180
baseline
▲ 0.50% · 4.625%
HK$65,963
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,360/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,838
−HK$1,771/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,226
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,576 · Scale 2, in force from 26 Feb 2026)