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$32,706
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$1,034/mo
Today · 4.125%
HK$34,757
baseline
▲ 0.50% · 4.625%
HK$36,872
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,514/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,385
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$990/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,468
−HK$1,240/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,662
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,188/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,447
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,788
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,213
−HK$1,447/mo
Today · 4.125%
HK$48,660
baseline
▲ 0.50% · 4.625%
HK$51,620
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,320/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,939
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,305
−HK$1,386/mo
Today · 4.125%
HK$53,691
baseline
▲ 0.50% · 4.625%
HK$56,521
+HK$2,830/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,382/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,871
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,702
−HK$1,860/mo
Today · 4.125%
HK$62,562
baseline
▲ 0.50% · 4.625%
HK$66,369
+HK$3,807/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,124/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,493
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,249
−HK$1,782/mo
Today · 4.125%
HK$69,031
baseline
▲ 0.50% · 4.625%
HK$72,670
+HK$3,639/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,062/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,866 · Scale 2, in force from 26 Feb 2026)