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$31,901
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,893
−HK$1,008/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$2,063/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,489
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$966/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,472
−HK$1,209/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$43,157
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,729
−HK$1,159/mo
Today · 4.125%
HK$44,888
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,776/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,661
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,050
−HK$1,412/mo
Today · 4.125%
HK$47,462
baseline
▲ 0.50% · 4.625%
HK$50,350
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,924/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,685
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,017
−HK$1,352/mo
Today · 4.125%
HK$52,369
baseline
▲ 0.50% · 4.625%
HK$55,130
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,738/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,421
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,207
−HK$1,815/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,735
+HK$3,713/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,881
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,594
−HK$1,738/mo
Today · 4.125%
HK$67,332
baseline
▲ 0.50% · 4.625%
HK$70,881
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,664/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,625 · Scale 2, in force from 26 Feb 2026)