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$33,041
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$1,044/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$2,136/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,744
−HK$1,000/mo
Today · 4.125%
HK$38,744
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,042/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,488/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,649
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,882
−HK$1,253/mo
Today · 4.125%
HK$42,135
baseline
▲ 0.50% · 4.625%
HK$44,699
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,270/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,109
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,292
−HK$1,200/mo
Today · 4.125%
HK$46,492
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,984/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,257
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,696
−HK$1,462/mo
Today · 4.125%
HK$49,158
baseline
▲ 0.50% · 4.625%
HK$52,149
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,316/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,461
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,841
−HK$1,400/mo
Today · 4.125%
HK$54,241
baseline
▲ 0.50% · 4.625%
HK$57,100
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,482/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,474
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,324
−HK$1,879/mo
Today · 4.125%
HK$63,203
baseline
▲ 0.50% · 4.625%
HK$67,049
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,406/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,164
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,938
−HK$1,801/mo
Today · 4.125%
HK$69,739
baseline
▲ 0.50% · 4.625%
HK$73,415
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,478/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,376 · Scale 2, in force from 26 Feb 2026)