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$32,883
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$1,039/mo
Today · 4.125%
HK$34,945
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,890/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,582
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$995/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,460
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,247/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,486
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,076
−HK$1,194/mo
Today · 4.125%
HK$46,270
baseline
▲ 0.50% · 4.625%
HK$48,709
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,540/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,036
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,455/mo
Today · 4.125%
HK$48,923
baseline
▲ 0.50% · 4.625%
HK$51,900
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,846/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,215
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,588
−HK$1,394/mo
Today · 4.125%
HK$53,982
baseline
▲ 0.50% · 4.625%
HK$56,827
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,964/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,189
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,031
−HK$1,870/mo
Today · 4.125%
HK$62,901
baseline
▲ 0.50% · 4.625%
HK$66,729
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,802/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,848
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,614
−HK$1,791/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,064
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,779 · Scale 2, in force from 26 Feb 2026)