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$32,717
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,034/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$2,116/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,397
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$991/mo
Today · 4.125%
HK$38,364
baseline
▲ 0.50% · 4.625%
HK$40,386
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,728/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,260
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,481
−HK$1,241/mo
Today · 4.125%
HK$41,722
baseline
▲ 0.50% · 4.625%
HK$44,261
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,444/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,677
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,848
−HK$1,188/mo
Today · 4.125%
HK$46,036
baseline
▲ 0.50% · 4.625%
HK$48,463
+HK$2,427/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,072/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,804
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,448/mo
Today · 4.125%
HK$48,676
baseline
▲ 0.50% · 4.625%
HK$51,638
+HK$2,962/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,352/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,323
−HK$1,386/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,540
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,890
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,722
−HK$1,861/mo
Today · 4.125%
HK$62,583
baseline
▲ 0.50% · 4.625%
HK$66,391
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,166/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,515
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,272
−HK$1,782/mo
Today · 4.125%
HK$69,054
baseline
▲ 0.50% · 4.625%
HK$72,694
+HK$3,640/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,108/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,046 · Scale 2, in force from 26 Feb 2026)