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$32,275
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$1,020/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,386
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,905
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,868
−HK$977/mo
Today · 4.125%
HK$37,845
baseline
▲ 0.50% · 4.625%
HK$39,840
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,690/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,730
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,224/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,663
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,086
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,172/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$47,808
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,590
−HK$1,428/mo
Today · 4.125%
HK$48,018
baseline
▲ 0.50% · 4.625%
HK$50,940
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,036/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,268
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,616
−HK$1,367/mo
Today · 4.125%
HK$52,983
baseline
▲ 0.50% · 4.625%
HK$55,776
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,966/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,095
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,902
−HK$1,836/mo
Today · 4.125%
HK$61,738
baseline
▲ 0.50% · 4.625%
HK$65,494
+HK$3,756/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,476/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,630
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,363
−HK$1,758/mo
Today · 4.125%
HK$68,121
baseline
▲ 0.50% · 4.625%
HK$71,712
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,242/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,776 · Scale 2, in force from 26 Feb 2026)