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$31,711
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$1,002/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,750
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,278
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,224
−HK$960/mo
Today · 4.125%
HK$37,184
baseline
▲ 0.50% · 4.625%
HK$39,144
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,368/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,053
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,237
−HK$1,203/mo
Today · 4.125%
HK$40,440
baseline
▲ 0.50% · 4.625%
HK$42,900
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,880/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,334
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,469
−HK$1,152/mo
Today · 4.125%
HK$44,621
baseline
▲ 0.50% · 4.625%
HK$46,973
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,242/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,396
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,403/mo
Today · 4.125%
HK$47,180
baseline
▲ 0.50% · 4.625%
HK$50,050
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,360/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,714
−HK$1,344/mo
Today · 4.125%
HK$52,058
baseline
▲ 0.50% · 4.625%
HK$54,802
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,116/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,080
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,803/mo
Today · 4.125%
HK$60,659
baseline
▲ 0.50% · 4.625%
HK$64,350
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,318/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,501
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,204
−HK$1,728/mo
Today · 4.125%
HK$66,932
baseline
▲ 0.50% · 4.625%
HK$70,460
+HK$3,528/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,864/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,507 · Scale 2, in force from 26 Feb 2026)