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$31,998
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$1,012/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$969/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,499
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,398
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,592
−HK$1,214/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$43,289
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,162/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,398
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,416/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,298
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,597
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,388
−HK$1,820/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$1,743/mo
Today · 4.125%
HK$67,537
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,074/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,226 · Scale 2, in force from 26 Feb 2026)