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$32,492
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$1,027/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,630
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,147
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$984/mo
Today · 4.125%
HK$38,100
baseline
▲ 0.50% · 4.625%
HK$40,108
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,200/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,990
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,232/mo
Today · 4.125%
HK$41,435
baseline
▲ 0.50% · 4.625%
HK$43,956
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,870/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,539
−HK$1,181/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,903
−HK$1,438/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$51,282
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,605
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,377/mo
Today · 4.125%
HK$53,340
baseline
▲ 0.50% · 4.625%
HK$56,151
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,680/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,485
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,304
−HK$1,849/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,935
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,064
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,809
−HK$1,770/mo
Today · 4.125%
HK$68,579
baseline
▲ 0.50% · 4.625%
HK$72,194
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,158/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,345 · Scale 2, in force from 26 Feb 2026)