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$32,787
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$1,036/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,963
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,475
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,453
−HK$993/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,344
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,568
−HK$1,244/mo
Today · 4.125%
HK$41,812
baseline
▲ 0.50% · 4.625%
HK$44,356
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,624/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,770
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,191/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,567
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,330
−HK$1,450/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,748
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,065
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,435
−HK$1,389/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,017
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,852
−HK$1,865/mo
Today · 4.125%
HK$62,717
baseline
▲ 0.50% · 4.625%
HK$66,534
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,434/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,655
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,416
−HK$1,787/mo
Today · 4.125%
HK$69,203
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,406/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,200 · Scale 2, in force from 26 Feb 2026)