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$31,756
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,744
−HK$1,004/mo
Today · 4.125%
HK$33,748
baseline
▲ 0.50% · 4.625%
HK$35,801
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,496/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,276
−HK$961/mo
Today · 4.125%
HK$37,237
baseline
▲ 0.50% · 4.625%
HK$39,200
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,474/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,107
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,293
−HK$1,204/mo
Today · 4.125%
HK$40,497
baseline
▲ 0.50% · 4.625%
HK$42,961
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$80,994/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,394
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,531
−HK$1,154/mo
Today · 4.125%
HK$44,685
baseline
▲ 0.50% · 4.625%
HK$47,040
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,370/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,459
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,842
−HK$1,405/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$50,121
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,460
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,346/mo
Today · 4.125%
HK$52,132
baseline
▲ 0.50% · 4.625%
HK$54,880
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,264/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,161
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,939
−HK$1,807/mo
Today · 4.125%
HK$60,746
baseline
▲ 0.50% · 4.625%
HK$64,442
+HK$3,696/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,492/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,591
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,297
−HK$1,730/mo
Today · 4.125%
HK$67,027
baseline
▲ 0.50% · 4.625%
HK$70,560
+HK$3,533/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,054/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,247 · Scale 2, in force from 26 Feb 2026)