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$31,951
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,945
−HK$1,010/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$36,021
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,545
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$967/mo
Today · 4.125%
HK$37,466
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,932/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,341
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,212/mo
Today · 4.125%
HK$40,746
baseline
▲ 0.50% · 4.625%
HK$43,225
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,492/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,654
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,798
−HK$1,161/mo
Today · 4.125%
HK$44,959
baseline
▲ 0.50% · 4.625%
HK$47,329
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,918/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,732
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,123
−HK$1,414/mo
Today · 4.125%
HK$47,537
baseline
▲ 0.50% · 4.625%
HK$50,429
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,074/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,763
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,098
−HK$1,354/mo
Today · 4.125%
HK$52,452
baseline
▲ 0.50% · 4.625%
HK$55,217
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,904/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,512
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,301
−HK$1,818/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,837
+HK$3,718/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,982
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,698
−HK$1,740/mo
Today · 4.125%
HK$67,438
baseline
▲ 0.50% · 4.625%
HK$70,993
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,876/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,453 · Scale 2, in force from 26 Feb 2026)