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$32,037
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$1,012/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$36,118
+HK$2,072/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,641
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$970/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,547
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,445
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,215/mo
Today · 4.125%
HK$40,855
baseline
▲ 0.50% · 4.625%
HK$43,341
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,710/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,769
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,916
−HK$1,164/mo
Today · 4.125%
HK$45,080
baseline
▲ 0.50% · 4.625%
HK$47,456
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,160/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,852
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,247
−HK$1,418/mo
Today · 4.125%
HK$47,665
baseline
▲ 0.50% · 4.625%
HK$50,565
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,330/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,897
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,236
−HK$1,357/mo
Today · 4.125%
HK$52,593
baseline
▲ 0.50% · 4.625%
HK$55,365
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,186/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,667
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,461
−HK$1,822/mo
Today · 4.125%
HK$61,283
baseline
▲ 0.50% · 4.625%
HK$65,012
+HK$3,729/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,566/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,154
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,874
−HK$1,746/mo
Today · 4.125%
HK$67,620
baseline
▲ 0.50% · 4.625%
HK$71,184
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,240/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,868 · Scale 2, in force from 26 Feb 2026)