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$32,814
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,835
−HK$1,037/mo
Today · 4.125%
HK$34,872
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,121/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,744/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$993/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,506
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,245/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,392
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,806
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,192/mo
Today · 4.125%
HK$46,173
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,346/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,939
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,368
−HK$1,452/mo
Today · 4.125%
HK$48,820
baseline
▲ 0.50% · 4.625%
HK$51,791
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,640/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,107
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,478
−HK$1,390/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$56,708
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,065
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,902
−HK$1,867/mo
Today · 4.125%
HK$62,769
baseline
▲ 0.50% · 4.625%
HK$66,588
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,538/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,709
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,471
−HK$1,788/mo
Today · 4.125%
HK$69,259
baseline
▲ 0.50% · 4.625%
HK$72,910
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,518/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,642 · Scale 2, in force from 26 Feb 2026)