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$33,060
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,088
−HK$1,045/mo
Today · 4.125%
HK$35,133
baseline
▲ 0.50% · 4.625%
HK$37,271
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,266/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,779
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,001/mo
Today · 4.125%
HK$38,766
baseline
▲ 0.50% · 4.625%
HK$40,809
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,532/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,672
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,254/mo
Today · 4.125%
HK$42,160
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,320/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,135
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,318
−HK$1,201/mo
Today · 4.125%
HK$46,519
baseline
▲ 0.50% · 4.625%
HK$48,971
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,038/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,284
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,724
−HK$1,463/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$52,179
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,491
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,400/mo
Today · 4.125%
HK$54,272
baseline
▲ 0.50% · 4.625%
HK$57,133
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,544/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,508
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,359
−HK$1,881/mo
Today · 4.125%
HK$63,240
baseline
▲ 0.50% · 4.625%
HK$67,088
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,480/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,202
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,978
−HK$1,801/mo
Today · 4.125%
HK$69,779
baseline
▲ 0.50% · 4.625%
HK$73,457
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,558/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,691 · Scale 2, in force from 26 Feb 2026)