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$32,620
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$1,031/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,775
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,290
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$987/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,267
+HK$2,017/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,144
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,237/mo
Today · 4.125%
HK$41,599
baseline
▲ 0.50% · 4.625%
HK$44,130
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,198/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,548
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,184/mo
Today · 4.125%
HK$45,900
baseline
▲ 0.50% · 4.625%
HK$48,320
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,800/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,668
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,089
−HK$1,443/mo
Today · 4.125%
HK$48,532
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,064/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,168
−HK$1,382/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,373
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,716
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,543
−HK$1,855/mo
Today · 4.125%
HK$62,398
baseline
▲ 0.50% · 4.625%
HK$66,195
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,796/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,321
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,073
−HK$1,778/mo
Today · 4.125%
HK$68,851
baseline
▲ 0.50% · 4.625%
HK$72,480
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,702/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,457 · Scale 2, in force from 26 Feb 2026)