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$32,792
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$1,036/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,480
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$992/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,244/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,776
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,951
−HK$1,191/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,574
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,451/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,073
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,442
−HK$1,390/mo
Today · 4.125%
HK$53,832
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,664/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,025
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,861
−HK$1,865/mo
Today · 4.125%
HK$62,726
baseline
▲ 0.50% · 4.625%
HK$66,543
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,452/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,665
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,426
−HK$1,786/mo
Today · 4.125%
HK$69,212
baseline
▲ 0.50% · 4.625%
HK$72,861
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,424/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,276 · Scale 2, in force from 26 Feb 2026)