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$32,393
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$1,024/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$980/mo
Today · 4.125%
HK$37,983
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,003/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,966/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,871
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,080
−HK$1,229/mo
Today · 4.125%
HK$41,309
baseline
▲ 0.50% · 4.625%
HK$43,822
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,618/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,244
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,404
−HK$1,176/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$47,983
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,350
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,760
−HK$1,434/mo
Today · 4.125%
HK$48,194
baseline
▲ 0.50% · 4.625%
HK$51,126
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,388/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,451
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,373/mo
Today · 4.125%
HK$53,177
baseline
▲ 0.50% · 4.625%
HK$55,980
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,354/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,307
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,843/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,733
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,866
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,605
−HK$1,765/mo
Today · 4.125%
HK$68,370
baseline
▲ 0.50% · 4.625%
HK$71,974
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,740/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,715 · Scale 2, in force from 26 Feb 2026)