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$32,517
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$1,027/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,659
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,175
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,145
−HK$984/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,139
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,233/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,991
+HK$2,524/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,410
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,181/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,524
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,940
−HK$1,439/mo
Today · 4.125%
HK$48,379
baseline
▲ 0.50% · 4.625%
HK$51,322
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,758/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,645
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,003
−HK$1,378/mo
Today · 4.125%
HK$53,381
baseline
▲ 0.50% · 4.625%
HK$56,195
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,762/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,531
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,351
−HK$1,850/mo
Today · 4.125%
HK$62,201
baseline
▲ 0.50% · 4.625%
HK$65,986
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,402/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,115
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,861
−HK$1,772/mo
Today · 4.125%
HK$68,633
baseline
▲ 0.50% · 4.625%
HK$72,250
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,266/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,760 · Scale 2, in force from 26 Feb 2026)