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$32,795
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$1,036/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,973
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$993/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,243/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,782
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,956
−HK$1,191/mo
Today · 4.125%
HK$46,147
baseline
▲ 0.50% · 4.625%
HK$48,579
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,294/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,451/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,390/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$56,676
+HK$2,838/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,032
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,866/mo
Today · 4.125%
HK$62,734
baseline
▲ 0.50% · 4.625%
HK$66,551
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,468/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,672
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,434
−HK$1,786/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$72,869
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,338 · Scale 2, in force from 26 Feb 2026)