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$31,867
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$1,007/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,402
−HK$965/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,240
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,208/mo
Today · 4.125%
HK$40,638
baseline
▲ 0.50% · 4.625%
HK$43,111
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,276/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,683
−HK$1,157/mo
Today · 4.125%
HK$44,840
baseline
▲ 0.50% · 4.625%
HK$47,204
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,680/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,613
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,001
−HK$1,410/mo
Today · 4.125%
HK$47,411
baseline
▲ 0.50% · 4.625%
HK$50,296
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,822/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,963
−HK$1,350/mo
Today · 4.125%
HK$52,313
baseline
▲ 0.50% · 4.625%
HK$55,071
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,626/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,360
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,144
−HK$1,813/mo
Today · 4.125%
HK$60,957
baseline
▲ 0.50% · 4.625%
HK$64,666
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,914/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,813
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,524
−HK$1,736/mo
Today · 4.125%
HK$67,260
baseline
▲ 0.50% · 4.625%
HK$70,806
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,520/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,065 · Scale 2, in force from 26 Feb 2026)