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$32,087
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,085
−HK$1,014/mo
Today · 4.125%
HK$34,099
baseline
▲ 0.50% · 4.625%
HK$36,174
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,198/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,696
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$971/mo
Today · 4.125%
HK$37,625
baseline
▲ 0.50% · 4.625%
HK$39,608
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,250/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,504
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,702
−HK$1,217/mo
Today · 4.125%
HK$40,919
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,838/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,836
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,166/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,530
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,922
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,319
−HK$1,420/mo
Today · 4.125%
HK$47,739
baseline
▲ 0.50% · 4.625%
HK$50,643
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,478/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,975
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,315
−HK$1,360/mo
Today · 4.125%
HK$52,675
baseline
▲ 0.50% · 4.625%
HK$55,451
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,350/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,756
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,553
−HK$1,825/mo
Today · 4.125%
HK$61,378
baseline
▲ 0.50% · 4.625%
HK$65,113
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,756/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,253
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,977
−HK$1,748/mo
Today · 4.125%
HK$67,725
baseline
▲ 0.50% · 4.625%
HK$71,295
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,450/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,685 · Scale 2, in force from 26 Feb 2026)