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$32,278
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$1,020/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$977/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,734
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,938
−HK$1,225/mo
Today · 4.125%
HK$41,163
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,326/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,091
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,246
−HK$1,173/mo
Today · 4.125%
HK$45,419
baseline
▲ 0.50% · 4.625%
HK$47,813
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,838/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,189
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,595
−HK$1,428/mo
Today · 4.125%
HK$48,023
baseline
▲ 0.50% · 4.625%
HK$50,945
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,046/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,273
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,621
−HK$1,368/mo
Today · 4.125%
HK$52,989
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,978/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,100
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,836/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,757/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,636
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,370
−HK$1,758/mo
Today · 4.125%
HK$68,128
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,256/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,829 · Scale 2, in force from 26 Feb 2026)