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$32,287
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,291
−HK$1,021/mo
Today · 4.125%
HK$34,312
baseline
▲ 0.50% · 4.625%
HK$36,399
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,624/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,919
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,882
−HK$977/mo
Today · 4.125%
HK$37,859
baseline
▲ 0.50% · 4.625%
HK$39,855
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,718/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,744
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,225/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,103
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,259
−HK$1,172/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$47,826
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,202
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,608
−HK$1,428/mo
Today · 4.125%
HK$48,036
baseline
▲ 0.50% · 4.625%
HK$50,959
+HK$2,923/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,072/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,286
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,635
−HK$1,368/mo
Today · 4.125%
HK$53,003
baseline
▲ 0.50% · 4.625%
HK$55,797
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,006/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,116
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,924
−HK$1,837/mo
Today · 4.125%
HK$61,761
baseline
▲ 0.50% · 4.625%
HK$65,519
+HK$3,758/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,522/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,654
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,388
−HK$1,759/mo
Today · 4.125%
HK$68,147
baseline
▲ 0.50% · 4.625%
HK$71,739
+HK$3,592/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,294/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,975 · Scale 2, in force from 26 Feb 2026)