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$32,749
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$1,035/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$991/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,425
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,298
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,521
−HK$1,242/mo
Today · 4.125%
HK$41,763
baseline
▲ 0.50% · 4.625%
HK$44,304
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,526/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,719
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,892
−HK$1,189/mo
Today · 4.125%
HK$46,081
baseline
▲ 0.50% · 4.625%
HK$48,510
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,162/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,848
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,274
−HK$1,449/mo
Today · 4.125%
HK$48,723
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,446/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,006
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,373
−HK$1,388/mo
Today · 4.125%
HK$53,761
baseline
▲ 0.50% · 4.625%
HK$56,595
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,522/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,947
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,781
−HK$1,863/mo
Today · 4.125%
HK$62,644
baseline
▲ 0.50% · 4.625%
HK$66,456
+HK$3,812/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,288/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,579
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,337
−HK$1,785/mo
Today · 4.125%
HK$69,122
baseline
▲ 0.50% · 4.625%
HK$72,765
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,244/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,568 · Scale 2, in force from 26 Feb 2026)