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$32,457
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,466
−HK$1,026/mo
Today · 4.125%
HK$34,492
baseline
▲ 0.50% · 4.625%
HK$36,591
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,984/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,108
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$983/mo
Today · 4.125%
HK$38,059
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,118/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,948
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,160
−HK$1,230/mo
Today · 4.125%
HK$41,390
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,780/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,491
−HK$1,179/mo
Today · 4.125%
HK$45,670
baseline
▲ 0.50% · 4.625%
HK$48,078
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,340/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,439
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,436/mo
Today · 4.125%
HK$48,289
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,578/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,907
−HK$1,375/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,091
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,422
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,239
−HK$1,847/mo
Today · 4.125%
HK$62,086
baseline
▲ 0.50% · 4.625%
HK$65,863
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,172/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,737
−HK$1,768/mo
Today · 4.125%
HK$68,505
baseline
▲ 0.50% · 4.625%
HK$72,116
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,010/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,768 · Scale 2, in force from 26 Feb 2026)