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$32,537
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$1,028/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$985/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,011/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,044
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,234/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$44,017
+HK$2,524/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,436
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,182/mo
Today · 4.125%
HK$45,783
baseline
▲ 0.50% · 4.625%
HK$48,196
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,566/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,552
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,439/mo
Today · 4.125%
HK$48,408
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,816/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,035
−HK$1,379/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,229
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,566
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,388
−HK$1,851/mo
Today · 4.125%
HK$62,239
baseline
▲ 0.50% · 4.625%
HK$66,026
+HK$3,787/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,478/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,155
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,902
−HK$1,773/mo
Today · 4.125%
HK$68,675
baseline
▲ 0.50% · 4.625%
HK$72,295
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,350/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,087 · Scale 2, in force from 26 Feb 2026)