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$32,298
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$1,020/mo
Today · 4.125%
HK$34,323
baseline
▲ 0.50% · 4.625%
HK$36,412
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,646/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,931
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$978/mo
Today · 4.125%
HK$37,873
baseline
▲ 0.50% · 4.625%
HK$39,869
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,746/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,758
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,963
−HK$1,225/mo
Today · 4.125%
HK$41,188
baseline
▲ 0.50% · 4.625%
HK$43,694
+HK$2,506/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,376/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,118
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,274
−HK$1,173/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,624
−HK$1,429/mo
Today · 4.125%
HK$48,053
baseline
▲ 0.50% · 4.625%
HK$50,977
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,106/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,304
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,653
−HK$1,369/mo
Today · 4.125%
HK$53,022
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,044/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,137
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,945
−HK$1,837/mo
Today · 4.125%
HK$61,782
baseline
▲ 0.50% · 4.625%
HK$65,542
+HK$3,760/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,564/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,676
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$1,760/mo
Today · 4.125%
HK$68,171
baseline
▲ 0.50% · 4.625%
HK$71,764
+HK$3,593/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,342/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,160 · Scale 2, in force from 26 Feb 2026)