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$32,664
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,032/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,824
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,338
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$988/mo
Today · 4.125%
HK$38,301
baseline
▲ 0.50% · 4.625%
HK$40,320
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,602/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,238/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$44,189
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,775
−HK$1,186/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,384
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,729
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,446/mo
Today · 4.125%
HK$48,597
baseline
▲ 0.50% · 4.625%
HK$51,554
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,194/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,873
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,238
−HK$1,384/mo
Today · 4.125%
HK$53,622
baseline
▲ 0.50% · 4.625%
HK$56,448
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,244/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,795
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,623
−HK$1,858/mo
Today · 4.125%
HK$62,481
baseline
▲ 0.50% · 4.625%
HK$66,283
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,962/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,408
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,163
−HK$1,779/mo
Today · 4.125%
HK$68,942
baseline
▲ 0.50% · 4.625%
HK$72,576
+HK$3,634/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,884/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,171 · Scale 2, in force from 26 Feb 2026)