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$32,474
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$1,026/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,610
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,127
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$983/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,181
−HK$1,231/mo
Today · 4.125%
HK$41,412
baseline
▲ 0.50% · 4.625%
HK$43,932
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,824/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,352
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,515
−HK$1,180/mo
Today · 4.125%
HK$45,695
baseline
▲ 0.50% · 4.625%
HK$48,103
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,390/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,878
−HK$1,437/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$51,254
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,578
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,934
−HK$1,376/mo
Today · 4.125%
HK$53,310
baseline
▲ 0.50% · 4.625%
HK$56,120
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,620/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,453
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,271
−HK$1,848/mo
Today · 4.125%
HK$62,119
baseline
▲ 0.50% · 4.625%
HK$65,899
+HK$3,780/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,238/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,029
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,773
−HK$1,769/mo
Today · 4.125%
HK$68,542
baseline
▲ 0.50% · 4.625%
HK$72,155
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,084/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,052 · Scale 2, in force from 26 Feb 2026)