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$31,885
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,877
−HK$1,008/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,947
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,472
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,423
−HK$965/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,359
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,262
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,210/mo
Today · 4.125%
HK$40,662
baseline
▲ 0.50% · 4.625%
HK$43,136
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,324/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,566
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,708
−HK$1,158/mo
Today · 4.125%
HK$44,866
baseline
▲ 0.50% · 4.625%
HK$47,231
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,732/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,639
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,028
−HK$1,411/mo
Today · 4.125%
HK$47,439
baseline
▲ 0.50% · 4.625%
HK$50,325
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,878/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,661
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,993
−HK$1,351/mo
Today · 4.125%
HK$52,344
baseline
▲ 0.50% · 4.625%
HK$55,103
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,688/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,393
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,179
−HK$1,814/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,704
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,562
−HK$1,737/mo
Today · 4.125%
HK$67,299
baseline
▲ 0.50% · 4.625%
HK$70,847
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,598/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,370 · Scale 2, in force from 26 Feb 2026)