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$32,443
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$1,025/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,576
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$982/mo
Today · 4.125%
HK$38,043
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,086/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,932
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,143
−HK$1,231/mo
Today · 4.125%
HK$41,374
baseline
▲ 0.50% · 4.625%
HK$43,891
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,748/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,312
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,473
−HK$1,179/mo
Today · 4.125%
HK$45,652
baseline
▲ 0.50% · 4.625%
HK$48,058
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,304/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,834
−HK$1,435/mo
Today · 4.125%
HK$48,269
baseline
▲ 0.50% · 4.625%
HK$51,206
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,538/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,530
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,885
−HK$1,375/mo
Today · 4.125%
HK$53,260
baseline
▲ 0.50% · 4.625%
HK$56,068
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,520/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,398
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,215
−HK$1,845/mo
Today · 4.125%
HK$62,060
baseline
▲ 0.50% · 4.625%
HK$65,837
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,120/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,967
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,710
−HK$1,767/mo
Today · 4.125%
HK$68,477
baseline
▲ 0.50% · 4.625%
HK$72,087
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,954/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,550 · Scale 2, in force from 26 Feb 2026)