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$32,565
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,578
−HK$1,029/mo
Today · 4.125%
HK$34,607
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,214/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,228
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$985/mo
Today · 4.125%
HK$38,185
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,013/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,370/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,078
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,235/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,474
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,640
−HK$1,182/mo
Today · 4.125%
HK$45,822
baseline
▲ 0.50% · 4.625%
HK$48,238
+HK$2,416/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,644/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,591
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,009
−HK$1,441/mo
Today · 4.125%
HK$48,450
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,948/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$96,900/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,719
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,080
−HK$1,379/mo
Today · 4.125%
HK$53,459
baseline
▲ 0.50% · 4.625%
HK$56,277
+HK$2,818/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$106,918/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,617
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,440
−HK$1,852/mo
Today · 4.125%
HK$62,292
baseline
▲ 0.50% · 4.625%
HK$66,083
+HK$3,791/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,584/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,210
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,959
−HK$1,775/mo
Today · 4.125%
HK$68,734
baseline
▲ 0.50% · 4.625%
HK$72,357
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,468/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,546 · Scale 2, in force from 26 Feb 2026)