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$31,841
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$1,006/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,897
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,423
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$964/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,305
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,207/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$43,076
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,508
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,648
−HK$1,156/mo
Today · 4.125%
HK$44,804
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,608/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,578
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,964
−HK$1,409/mo
Today · 4.125%
HK$47,373
baseline
▲ 0.50% · 4.625%
HK$50,256
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,746/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,592
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,922
−HK$1,349/mo
Today · 4.125%
HK$52,271
baseline
▲ 0.50% · 4.625%
HK$55,027
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,542/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,314
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,097
−HK$1,811/mo
Today · 4.125%
HK$60,908
baseline
▲ 0.50% · 4.625%
HK$64,614
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,816/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,761
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,471
−HK$1,735/mo
Today · 4.125%
HK$67,206
baseline
▲ 0.50% · 4.625%
HK$70,749
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,412/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,645 · Scale 2, in force from 26 Feb 2026)