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$32,186
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,187
−HK$1,018/mo
Today · 4.125%
HK$34,205
baseline
▲ 0.50% · 4.625%
HK$36,286
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,410/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,807
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,767
−HK$974/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,623
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,825
−HK$1,220/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,968
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,121
−HK$1,169/mo
Today · 4.125%
HK$45,290
baseline
▲ 0.50% · 4.625%
HK$47,677
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,580/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,061
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,462
−HK$1,424/mo
Today · 4.125%
HK$47,886
baseline
▲ 0.50% · 4.625%
HK$50,800
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,772/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,130
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,474
−HK$1,364/mo
Today · 4.125%
HK$52,838
baseline
▲ 0.50% · 4.625%
HK$55,623
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,676/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,935
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,737
−HK$1,831/mo
Today · 4.125%
HK$61,568
baseline
▲ 0.50% · 4.625%
HK$65,315
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,136/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,452
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,181
−HK$1,753/mo
Today · 4.125%
HK$67,934
baseline
▲ 0.50% · 4.625%
HK$71,515
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,868/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,319 · Scale 2, in force from 26 Feb 2026)