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$32,811
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,832
−HK$1,037/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,481
−HK$993/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,502
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,373
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,598
−HK$1,245/mo
Today · 4.125%
HK$41,843
baseline
▲ 0.50% · 4.625%
HK$44,389
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,686/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,803
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,977
−HK$1,192/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,365
−HK$1,451/mo
Today · 4.125%
HK$48,816
baseline
▲ 0.50% · 4.625%
HK$51,787
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,632/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,103
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,474
−HK$1,390/mo
Today · 4.125%
HK$53,864
baseline
▲ 0.50% · 4.625%
HK$56,703
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,728/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,060
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,897
−HK$1,867/mo
Today · 4.125%
HK$62,764
baseline
▲ 0.50% · 4.625%
HK$66,583
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,528/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,704
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,466
−HK$1,788/mo
Today · 4.125%
HK$69,254
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,508/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,598 · Scale 2, in force from 26 Feb 2026)