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$32,742
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,761
−HK$1,035/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,913
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,426
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,402
−HK$992/mo
Today · 4.125%
HK$38,394
baseline
▲ 0.50% · 4.625%
HK$40,417
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,788/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,291
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,513
−HK$1,242/mo
Today · 4.125%
HK$41,755
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,510/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,189/mo
Today · 4.125%
HK$46,072
baseline
▲ 0.50% · 4.625%
HK$48,501
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,144/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,839
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,265
−HK$1,449/mo
Today · 4.125%
HK$48,714
baseline
▲ 0.50% · 4.625%
HK$51,678
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,428/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,996
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,363
−HK$1,388/mo
Today · 4.125%
HK$53,751
baseline
▲ 0.50% · 4.625%
HK$56,584
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,502/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,936
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,770
−HK$1,862/mo
Today · 4.125%
HK$62,632
baseline
▲ 0.50% · 4.625%
HK$66,443
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,264/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,566
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,324
−HK$1,784/mo
Today · 4.125%
HK$69,108
baseline
▲ 0.50% · 4.625%
HK$72,751
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,216/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,466 · Scale 2, in force from 26 Feb 2026)