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$31,716
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,702
−HK$1,003/mo
Today · 4.125%
HK$33,705
baseline
▲ 0.50% · 4.625%
HK$35,755
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,410/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$960/mo
Today · 4.125%
HK$37,190
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,380/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,243
−HK$1,202/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,907
+HK$2,462/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,476
−HK$1,152/mo
Today · 4.125%
HK$44,628
baseline
▲ 0.50% · 4.625%
HK$46,980
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,256/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,402
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,403/mo
Today · 4.125%
HK$47,186
baseline
▲ 0.50% · 4.625%
HK$50,058
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,372/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,397
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,344/mo
Today · 4.125%
HK$52,066
baseline
▲ 0.50% · 4.625%
HK$54,810
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,132/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,088
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,864
−HK$1,804/mo
Today · 4.125%
HK$60,668
baseline
▲ 0.50% · 4.625%
HK$64,360
+HK$3,692/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,336/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,510
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,213
−HK$1,728/mo
Today · 4.125%
HK$66,941
baseline
▲ 0.50% · 4.625%
HK$70,470
+HK$3,529/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,882/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,582 · Scale 2, in force from 26 Feb 2026)