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$32,445
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,455
−HK$1,025/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,578
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$982/mo
Today · 4.125%
HK$38,045
baseline
▲ 0.50% · 4.625%
HK$40,051
+HK$2,006/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,090/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,231/mo
Today · 4.125%
HK$41,376
baseline
▲ 0.50% · 4.625%
HK$43,894
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,752/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,314
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,476
−HK$1,178/mo
Today · 4.125%
HK$45,654
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,308/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,423
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,436/mo
Today · 4.125%
HK$48,272
baseline
▲ 0.50% · 4.625%
HK$51,209
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,544/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,533
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,888
−HK$1,375/mo
Today · 4.125%
HK$53,263
baseline
▲ 0.50% · 4.625%
HK$56,071
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,526/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,402
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,846/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,840
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,714
−HK$1,767/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,581 · Scale 2, in force from 26 Feb 2026)