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$31,705
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$1,002/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$960/mo
Today · 4.125%
HK$37,177
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,354/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,202/mo
Today · 4.125%
HK$40,431
baseline
▲ 0.50% · 4.625%
HK$42,892
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,862/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,325
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,151/mo
Today · 4.125%
HK$44,612
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,224/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,387
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,767
−HK$1,403/mo
Today · 4.125%
HK$47,170
baseline
▲ 0.50% · 4.625%
HK$50,040
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,340/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,380
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,704
−HK$1,343/mo
Today · 4.125%
HK$52,047
baseline
▲ 0.50% · 4.625%
HK$54,791
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,094/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,068
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,803/mo
Today · 4.125%
HK$60,647
baseline
▲ 0.50% · 4.625%
HK$64,337
+HK$3,690/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,294/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,488
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,191
−HK$1,727/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,446
+HK$3,528/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,401 · Scale 2, in force from 26 Feb 2026)