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$31,755
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$1,004/mo
Today · 4.125%
HK$33,747
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,494/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$961/mo
Today · 4.125%
HK$37,236
baseline
▲ 0.50% · 4.625%
HK$39,199
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,472/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,107
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,292
−HK$1,204/mo
Today · 4.125%
HK$40,496
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$80,992/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,393
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,154/mo
Today · 4.125%
HK$44,684
baseline
▲ 0.50% · 4.625%
HK$47,039
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,368/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,458
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,841
−HK$1,405/mo
Today · 4.125%
HK$47,246
baseline
▲ 0.50% · 4.625%
HK$50,120
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,492/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,459
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,785
−HK$1,346/mo
Today · 4.125%
HK$52,131
baseline
▲ 0.50% · 4.625%
HK$54,879
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,262/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,160
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,806/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$64,440
+HK$3,696/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,590
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$1,730/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$3,533/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,235 · Scale 2, in force from 26 Feb 2026)