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$32,579
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$1,030/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,729
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,244
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,216
−HK$986/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,095
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,311
−HK$1,235/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,528/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,493
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,183/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,259
+HK$2,417/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,611
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,442/mo
Today · 4.125%
HK$48,471
baseline
▲ 0.50% · 4.625%
HK$51,420
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,942/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,741
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,102
−HK$1,381/mo
Today · 4.125%
HK$53,483
baseline
▲ 0.50% · 4.625%
HK$56,302
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,966/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,642
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,466
−HK$1,853/mo
Today · 4.125%
HK$62,319
baseline
▲ 0.50% · 4.625%
HK$66,111
+HK$3,792/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,638/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,239
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,988
−HK$1,775/mo
Today · 4.125%
HK$68,763
baseline
▲ 0.50% · 4.625%
HK$72,388
+HK$3,625/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,526/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,778 · Scale 2, in force from 26 Feb 2026)