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$32,011
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,006
−HK$1,012/mo
Today · 4.125%
HK$34,018
baseline
▲ 0.50% · 4.625%
HK$36,088
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,036/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,611
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$969/mo
Today · 4.125%
HK$37,535
baseline
▲ 0.50% · 4.625%
HK$39,514
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,070/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,607
−HK$1,214/mo
Today · 4.125%
HK$40,821
baseline
▲ 0.50% · 4.625%
HK$43,305
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,642/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,880
−HK$1,162/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,417
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,416/mo
Today · 4.125%
HK$47,625
baseline
▲ 0.50% · 4.625%
HK$50,523
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,250/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,856
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,356/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,619
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,411
−HK$1,821/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,958
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,820
−HK$1,744/mo
Today · 4.125%
HK$67,564
baseline
▲ 0.50% · 4.625%
HK$71,125
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,128/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,430 · Scale 2, in force from 26 Feb 2026)