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$32,416
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,424
−HK$1,025/mo
Today · 4.125%
HK$34,449
baseline
▲ 0.50% · 4.625%
HK$36,545
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,898/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,063
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,030
−HK$981/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,015
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,899
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,230/mo
Today · 4.125%
HK$41,339
baseline
▲ 0.50% · 4.625%
HK$43,854
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,678/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,275
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,177/mo
Today · 4.125%
HK$45,613
baseline
▲ 0.50% · 4.625%
HK$48,017
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,226/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,794
−HK$1,434/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$51,163
+HK$2,935/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,488
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,842
−HK$1,373/mo
Today · 4.125%
HK$53,215
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$2,805/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,430/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,349
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,164
−HK$1,844/mo
Today · 4.125%
HK$62,008
baseline
▲ 0.50% · 4.625%
HK$65,781
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$124,016/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,913
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,654
−HK$1,766/mo
Today · 4.125%
HK$68,420
baseline
▲ 0.50% · 4.625%
HK$72,026
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,840/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,100 · Scale 2, in force from 26 Feb 2026)