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$32,458
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$1,026/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,077
−HK$983/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,231/mo
Today · 4.125%
HK$41,392
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,784/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,493
−HK$1,179/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,436/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,552
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,376/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,424
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,241
−HK$1,847/mo
Today · 4.125%
HK$62,088
baseline
▲ 0.50% · 4.625%
HK$65,865
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,176/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,996
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,739
−HK$1,769/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,119
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,784 · Scale 2, in force from 26 Feb 2026)