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$31,802
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,792
−HK$1,005/mo
Today · 4.125%
HK$33,797
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,594/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,380
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$962/mo
Today · 4.125%
HK$37,291
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,582/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,163
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,206/mo
Today · 4.125%
HK$40,556
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,112/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,456
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,594
−HK$1,155/mo
Today · 4.125%
HK$44,749
baseline
▲ 0.50% · 4.625%
HK$47,108
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,498/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,523
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,908
−HK$1,407/mo
Today · 4.125%
HK$47,315
baseline
▲ 0.50% · 4.625%
HK$50,194
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,630/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,860
−HK$1,348/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$54,960
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,244
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,025
−HK$1,809/mo
Today · 4.125%
HK$60,834
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,668/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,684
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,392
−HK$1,732/mo
Today · 4.125%
HK$67,124
baseline
▲ 0.50% · 4.625%
HK$70,662
+HK$3,538/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,248/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,006 · Scale 2, in force from 26 Feb 2026)