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$31,840
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$1,006/mo
Today · 4.125%
HK$33,837
baseline
▲ 0.50% · 4.625%
HK$35,896
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,674/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,422
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$964/mo
Today · 4.125%
HK$37,336
baseline
▲ 0.50% · 4.625%
HK$39,304
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,672/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,208
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,207/mo
Today · 4.125%
HK$40,604
baseline
▲ 0.50% · 4.625%
HK$43,075
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,208/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,506
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,646
−HK$1,157/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,164
+HK$2,361/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,576
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,963
−HK$1,409/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$50,254
+HK$2,882/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,591
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,349/mo
Today · 4.125%
HK$52,270
baseline
▲ 0.50% · 4.625%
HK$55,025
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,540/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,312
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,095
−HK$1,811/mo
Today · 4.125%
HK$60,906
baseline
▲ 0.50% · 4.625%
HK$64,612
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,812/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,759
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,469
−HK$1,735/mo
Today · 4.125%
HK$67,204
baseline
▲ 0.50% · 4.625%
HK$70,747
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,408/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,630 · Scale 2, in force from 26 Feb 2026)