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$32,035
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,031
−HK$1,013/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$36,115
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,638
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,594
−HK$970/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,442
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,638
−HK$1,214/mo
Today · 4.125%
HK$40,852
baseline
▲ 0.50% · 4.625%
HK$43,338
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,704/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,766
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,913
−HK$1,164/mo
Today · 4.125%
HK$45,077
baseline
▲ 0.50% · 4.625%
HK$47,453
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,154/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,849
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,244
−HK$1,417/mo
Today · 4.125%
HK$47,661
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,322/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,894
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,232
−HK$1,357/mo
Today · 4.125%
HK$52,589
baseline
▲ 0.50% · 4.625%
HK$55,361
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,178/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,663
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,456
−HK$1,823/mo
Today · 4.125%
HK$61,279
baseline
▲ 0.50% · 4.625%
HK$65,007
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,558/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,149
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,870
−HK$1,745/mo
Today · 4.125%
HK$67,615
baseline
▲ 0.50% · 4.625%
HK$71,179
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,230/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,830 · Scale 2, in force from 26 Feb 2026)