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$32,977
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,003
−HK$1,042/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,687
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,671
−HK$998/mo
Today · 4.125%
HK$38,669
baseline
▲ 0.50% · 4.625%
HK$40,707
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,338/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,573
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,804
−HK$1,250/mo
Today · 4.125%
HK$42,054
baseline
▲ 0.50% · 4.625%
HK$44,613
+HK$2,559/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,108/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,024
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,205
−HK$1,198/mo
Today · 4.125%
HK$46,403
baseline
▲ 0.50% · 4.625%
HK$48,849
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,806/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,459/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,739
−HK$1,398/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$56,990
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,359
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,206
−HK$1,876/mo
Today · 4.125%
HK$63,082
baseline
▲ 0.50% · 4.625%
HK$66,920
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,164/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,037
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,808
−HK$1,796/mo
Today · 4.125%
HK$69,604
baseline
▲ 0.50% · 4.625%
HK$73,273
+HK$3,669/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,208/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,331 · Scale 2, in force from 26 Feb 2026)