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$32,165
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$1,017/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,783
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$973/mo
Today · 4.125%
HK$37,716
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,432/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,798
−HK$1,220/mo
Today · 4.125%
HK$41,018
baseline
▲ 0.50% · 4.625%
HK$43,514
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,036/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,940
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,091
−HK$1,168/mo
Today · 4.125%
HK$45,259
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,518/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,031
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,431
−HK$1,423/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,766
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,096
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,440
−HK$1,363/mo
Today · 4.125%
HK$52,803
baseline
▲ 0.50% · 4.625%
HK$55,586
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,606/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,896
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,697
−HK$1,830/mo
Today · 4.125%
HK$61,527
baseline
▲ 0.50% · 4.625%
HK$65,271
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,054/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,409
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,137
−HK$1,752/mo
Today · 4.125%
HK$67,889
baseline
▲ 0.50% · 4.625%
HK$71,468
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,778/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,966 · Scale 2, in force from 26 Feb 2026)