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$32,922
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,946
−HK$1,040/mo
Today · 4.125%
HK$34,986
baseline
▲ 0.50% · 4.625%
HK$37,115
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,972/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,625
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,607
−HK$997/mo
Today · 4.125%
HK$38,604
baseline
▲ 0.50% · 4.625%
HK$40,639
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,208/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,506
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,735
−HK$1,248/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,538
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,129
−HK$1,195/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,090
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,524
−HK$1,457/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,961
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,275
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,650
−HK$1,395/mo
Today · 4.125%
HK$54,045
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,090/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,259
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,102
−HK$1,873/mo
Today · 4.125%
HK$62,975
baseline
▲ 0.50% · 4.625%
HK$66,807
+HK$3,832/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,950/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,925
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,693
−HK$1,794/mo
Today · 4.125%
HK$69,487
baseline
▲ 0.50% · 4.625%
HK$73,149
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,974/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,413 · Scale 2, in force from 26 Feb 2026)