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$32,928
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$1,041/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$37,122
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,614
−HK$997/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,646
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,513
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,742
−HK$1,249/mo
Today · 4.125%
HK$41,991
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,982/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,958
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,137
−HK$1,196/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$48,775
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,099
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,533
−HK$1,457/mo
Today · 4.125%
HK$48,990
baseline
▲ 0.50% · 4.625%
HK$51,971
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,980/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,285
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,660
−HK$1,395/mo
Today · 4.125%
HK$54,055
baseline
▲ 0.50% · 4.625%
HK$56,905
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,110/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,270
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,114
−HK$1,873/mo
Today · 4.125%
HK$62,987
baseline
▲ 0.50% · 4.625%
HK$66,819
+HK$3,832/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,974/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,937
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,706
−HK$1,794/mo
Today · 4.125%
HK$69,500
baseline
▲ 0.50% · 4.625%
HK$73,163
+HK$3,663/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,000/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,515 · Scale 2, in force from 26 Feb 2026)