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$31,964
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,958
−HK$1,010/mo
Today · 4.125%
HK$33,968
baseline
▲ 0.50% · 4.625%
HK$36,035
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,936/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,513
−HK$967/mo
Today · 4.125%
HK$37,480
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,960/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,356
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,549
−HK$1,213/mo
Today · 4.125%
HK$40,762
baseline
▲ 0.50% · 4.625%
HK$43,242
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,524/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,671
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,815
−HK$1,161/mo
Today · 4.125%
HK$44,976
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,952/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,749
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,141
−HK$1,414/mo
Today · 4.125%
HK$47,555
baseline
▲ 0.50% · 4.625%
HK$50,449
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,110/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,783
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,118
−HK$1,354/mo
Today · 4.125%
HK$52,472
baseline
▲ 0.50% · 4.625%
HK$55,238
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,944/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,534
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,324
−HK$1,818/mo
Today · 4.125%
HK$61,142
baseline
▲ 0.50% · 4.625%
HK$64,863
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,284/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,007
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,723
−HK$1,742/mo
Today · 4.125%
HK$67,465
baseline
▲ 0.50% · 4.625%
HK$71,021
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,930/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,658 · Scale 2, in force from 26 Feb 2026)