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$32,057
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$1,013/mo
Today · 4.125%
HK$34,068
baseline
▲ 0.50% · 4.625%
HK$36,141
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,136/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,620
−HK$970/mo
Today · 4.125%
HK$37,590
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,180/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,469
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,665
−HK$1,216/mo
Today · 4.125%
HK$40,881
baseline
▲ 0.50% · 4.625%
HK$43,369
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,762/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,796
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,944
−HK$1,164/mo
Today · 4.125%
HK$45,108
baseline
▲ 0.50% · 4.625%
HK$47,486
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,216/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,880
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,276
−HK$1,419/mo
Today · 4.125%
HK$47,695
baseline
▲ 0.50% · 4.625%
HK$50,597
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,390/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,929
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,268
−HK$1,358/mo
Today · 4.125%
HK$52,626
baseline
▲ 0.50% · 4.625%
HK$55,400
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,252/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,703
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,498
−HK$1,824/mo
Today · 4.125%
HK$61,322
baseline
▲ 0.50% · 4.625%
HK$65,053
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,644/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,194
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,916
−HK$1,747/mo
Today · 4.125%
HK$67,663
baseline
▲ 0.50% · 4.625%
HK$71,229
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,326/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,201 · Scale 2, in force from 26 Feb 2026)