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$31,753
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,741
−HK$1,003/mo
Today · 4.125%
HK$33,744
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$2,054/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,488/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,325
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,273
−HK$961/mo
Today · 4.125%
HK$37,234
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,468/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,204/mo
Today · 4.125%
HK$40,493
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$80,986/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,153/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,036
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,454
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,405/mo
Today · 4.125%
HK$47,242
baseline
▲ 0.50% · 4.625%
HK$50,117
+HK$2,875/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,484/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,455
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,782
−HK$1,345/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$54,875
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,156
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,934
−HK$1,806/mo
Today · 4.125%
HK$60,740
baseline
▲ 0.50% · 4.625%
HK$64,436
+HK$3,696/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,480/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,585
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,291
−HK$1,730/mo
Today · 4.125%
HK$67,021
baseline
▲ 0.50% · 4.625%
HK$70,553
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,042/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,198 · Scale 2, in force from 26 Feb 2026)