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$31,788
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,776
−HK$1,005/mo
Today · 4.125%
HK$33,781
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,562/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,363
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,312
−HK$962/mo
Today · 4.125%
HK$37,274
baseline
▲ 0.50% · 4.625%
HK$39,239
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,548/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,145
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,332
−HK$1,205/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$43,004
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,436
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,574
−HK$1,155/mo
Today · 4.125%
HK$44,729
baseline
▲ 0.50% · 4.625%
HK$47,087
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,458/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,503
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,887
−HK$1,406/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$50,171
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,586/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,837
−HK$1,347/mo
Today · 4.125%
HK$52,184
baseline
▲ 0.50% · 4.625%
HK$54,934
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,368/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,218
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,998
−HK$1,808/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,506
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,654
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,361
−HK$1,732/mo
Today · 4.125%
HK$67,093
baseline
▲ 0.50% · 4.625%
HK$70,630
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,186/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,766 · Scale 2, in force from 26 Feb 2026)