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$31,983
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$1,011/mo
Today · 4.125%
HK$33,989
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,978/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,581
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,536
−HK$968/mo
Today · 4.125%
HK$37,504
baseline
▲ 0.50% · 4.625%
HK$39,480
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,008/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,380
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,574
−HK$1,213/mo
Today · 4.125%
HK$40,787
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,574/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,698
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,843
−HK$1,161/mo
Today · 4.125%
HK$45,004
baseline
▲ 0.50% · 4.625%
HK$47,377
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,008/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,777
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,170
−HK$1,415/mo
Today · 4.125%
HK$47,585
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,170/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,814
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,150
−HK$1,355/mo
Today · 4.125%
HK$52,505
baseline
▲ 0.50% · 4.625%
HK$55,273
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,010/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,570
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,361
−HK$1,819/mo
Today · 4.125%
HK$61,180
baseline
▲ 0.50% · 4.625%
HK$64,903
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,360/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,046
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,764
−HK$1,742/mo
Today · 4.125%
HK$67,506
baseline
▲ 0.50% · 4.625%
HK$71,065
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,012/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,985 · Scale 2, in force from 26 Feb 2026)