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$32,891
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,914
−HK$1,040/mo
Today · 4.125%
HK$34,954
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,908/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,591
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$996/mo
Today · 4.125%
HK$38,568
baseline
▲ 0.50% · 4.625%
HK$40,601
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,136/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,697
−HK$1,247/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,497
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,909
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,087
−HK$1,194/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$48,721
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,048
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,480
−HK$1,455/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,913
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,227
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,601
−HK$1,394/mo
Today · 4.125%
HK$53,995
baseline
▲ 0.50% · 4.625%
HK$56,841
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,990/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,204
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,046
−HK$1,871/mo
Today · 4.125%
HK$62,917
baseline
▲ 0.50% · 4.625%
HK$66,745
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,834/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,864
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,630
−HK$1,792/mo
Today · 4.125%
HK$69,422
baseline
▲ 0.50% · 4.625%
HK$73,082
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,844/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,911 · Scale 2, in force from 26 Feb 2026)