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$33,077
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,106
−HK$1,046/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,798
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,785
−HK$1,001/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,255/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,202/mo
Today · 4.125%
HK$46,544
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,088/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,308
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,749
−HK$1,463/mo
Today · 4.125%
HK$49,212
baseline
▲ 0.50% · 4.625%
HK$52,207
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,424/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,517
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,899
−HK$1,402/mo
Today · 4.125%
HK$54,301
baseline
▲ 0.50% · 4.625%
HK$57,163
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,602/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,539
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,391
−HK$1,882/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,013
−HK$1,802/mo
Today · 4.125%
HK$69,815
baseline
▲ 0.50% · 4.625%
HK$73,495
+HK$3,680/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,630/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,974 · Scale 2, in force from 26 Feb 2026)