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$32,157
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,157
−HK$1,016/mo
Today · 4.125%
HK$34,173
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,346/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,774
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,733
−HK$974/mo
Today · 4.125%
HK$37,707
baseline
▲ 0.50% · 4.625%
HK$39,694
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,414/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,588
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,220/mo
Today · 4.125%
HK$41,008
baseline
▲ 0.50% · 4.625%
HK$43,503
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,016/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,929
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,080
−HK$1,168/mo
Today · 4.125%
HK$45,248
baseline
▲ 0.50% · 4.625%
HK$47,633
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,496/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,019
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,422/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,753
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,083
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,362/mo
Today · 4.125%
HK$52,789
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,578/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,882
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,682
−HK$1,830/mo
Today · 4.125%
HK$61,512
baseline
▲ 0.50% · 4.625%
HK$65,254
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,024/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,393
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,120
−HK$1,752/mo
Today · 4.125%
HK$67,872
baseline
▲ 0.50% · 4.625%
HK$71,450
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,744/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,832 · Scale 2, in force from 26 Feb 2026)