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$33,059
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,088
−HK$1,044/mo
Today · 4.125%
HK$35,132
baseline
▲ 0.50% · 4.625%
HK$37,270
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,264/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,778
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,000/mo
Today · 4.125%
HK$38,765
baseline
▲ 0.50% · 4.625%
HK$40,809
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,530/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,671
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,905
−HK$1,254/mo
Today · 4.125%
HK$42,159
baseline
▲ 0.50% · 4.625%
HK$44,724
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,318/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,134
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,317
−HK$1,201/mo
Today · 4.125%
HK$46,518
baseline
▲ 0.50% · 4.625%
HK$48,970
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,036/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,283
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,462/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,489
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,401/mo
Today · 4.125%
HK$54,271
baseline
▲ 0.50% · 4.625%
HK$57,132
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,542/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,507
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,358
−HK$1,880/mo
Today · 4.125%
HK$63,238
baseline
▲ 0.50% · 4.625%
HK$67,086
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,476/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,201
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,976
−HK$1,801/mo
Today · 4.125%
HK$69,777
baseline
▲ 0.50% · 4.625%
HK$73,455
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,554/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,678 · Scale 2, in force from 26 Feb 2026)