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$32,246
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$1,019/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,836
−HK$976/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$39,805
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,696
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,899
−HK$1,223/mo
Today · 4.125%
HK$41,122
baseline
▲ 0.50% · 4.625%
HK$43,624
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,244/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,049
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,203
−HK$1,171/mo
Today · 4.125%
HK$45,374
baseline
▲ 0.50% · 4.625%
HK$47,766
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,748/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,145
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,427/mo
Today · 4.125%
HK$47,976
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,952/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,367/mo
Today · 4.125%
HK$52,937
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,874/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,043
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,849
−HK$1,834/mo
Today · 4.125%
HK$61,683
baseline
▲ 0.50% · 4.625%
HK$65,437
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,366/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,573
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,305
−HK$1,756/mo
Today · 4.125%
HK$68,061
baseline
▲ 0.50% · 4.625%
HK$71,649
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,122/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,309 · Scale 2, in force from 26 Feb 2026)