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$32,604
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$1,030/mo
Today · 4.125%
HK$34,649
baseline
▲ 0.50% · 4.625%
HK$36,757
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,298/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,272
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,245
−HK$987/mo
Today · 4.125%
HK$38,232
baseline
▲ 0.50% · 4.625%
HK$40,247
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,464/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,125
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,342
−HK$1,237/mo
Today · 4.125%
HK$41,579
baseline
▲ 0.50% · 4.625%
HK$44,109
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,158/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,526
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,694
−HK$1,184/mo
Today · 4.125%
HK$45,878
baseline
▲ 0.50% · 4.625%
HK$48,296
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,756/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,646
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,442/mo
Today · 4.125%
HK$48,508
baseline
▲ 0.50% · 4.625%
HK$51,460
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,016/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,781
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,143
−HK$1,381/mo
Today · 4.125%
HK$53,524
baseline
▲ 0.50% · 4.625%
HK$56,346
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,048/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,688
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,513
−HK$1,855/mo
Today · 4.125%
HK$62,368
baseline
▲ 0.50% · 4.625%
HK$66,163
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,736/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,041
−HK$1,776/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$72,444
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,196 · Scale 2, in force from 26 Feb 2026)