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$32,423
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$1,025/mo
Today · 4.125%
HK$34,457
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,914/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$982/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,024
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,230/mo
Today · 4.125%
HK$41,348
baseline
▲ 0.50% · 4.625%
HK$43,864
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,696/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,285
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,446
−HK$1,177/mo
Today · 4.125%
HK$45,623
baseline
▲ 0.50% · 4.625%
HK$48,028
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,246/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,393
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,434/mo
Today · 4.125%
HK$48,239
baseline
▲ 0.50% · 4.625%
HK$51,175
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,478/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,499
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,853
−HK$1,374/mo
Today · 4.125%
HK$53,227
baseline
▲ 0.50% · 4.625%
HK$56,033
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,454/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,362
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,178
−HK$1,844/mo
Today · 4.125%
HK$62,022
baseline
▲ 0.50% · 4.625%
HK$65,796
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,044/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,927
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,669
−HK$1,766/mo
Today · 4.125%
HK$68,435
baseline
▲ 0.50% · 4.625%
HK$72,042
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,870/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,221 · Scale 2, in force from 26 Feb 2026)