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$32,638
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,653
−HK$1,031/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,795
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,309
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$988/mo
Today · 4.125%
HK$38,271
baseline
▲ 0.50% · 4.625%
HK$40,288
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,542/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,165
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,238/mo
Today · 4.125%
HK$41,621
baseline
▲ 0.50% · 4.625%
HK$44,154
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,242/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,571
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,739
−HK$1,186/mo
Today · 4.125%
HK$45,925
baseline
▲ 0.50% · 4.625%
HK$48,345
+HK$2,420/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,850/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,114
−HK$1,444/mo
Today · 4.125%
HK$48,558
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,116/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,833
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,383/mo
Today · 4.125%
HK$53,579
baseline
▲ 0.50% · 4.625%
HK$56,403
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,158/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,748
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,575
−HK$1,857/mo
Today · 4.125%
HK$62,432
baseline
▲ 0.50% · 4.625%
HK$66,230
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,864/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,356
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,109
−HK$1,778/mo
Today · 4.125%
HK$68,887
baseline
▲ 0.50% · 4.625%
HK$72,518
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,774/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,742 · Scale 2, in force from 26 Feb 2026)