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$32,177
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,178
−HK$1,017/mo
Today · 4.125%
HK$34,195
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,390/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,797
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,757
−HK$974/mo
Today · 4.125%
HK$37,731
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,462/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,613
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,814
−HK$1,220/mo
Today · 4.125%
HK$41,034
baseline
▲ 0.50% · 4.625%
HK$43,531
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,068/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,956
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,169/mo
Today · 4.125%
HK$45,277
baseline
▲ 0.50% · 4.625%
HK$47,664
+HK$2,387/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,554/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,048
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,449
−HK$1,424/mo
Today · 4.125%
HK$47,873
baseline
▲ 0.50% · 4.625%
HK$50,786
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,746/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,116
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,363/mo
Today · 4.125%
HK$52,823
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,646/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,919
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,721
−HK$1,830/mo
Today · 4.125%
HK$61,551
baseline
▲ 0.50% · 4.625%
HK$65,296
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,102/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,434
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,162
−HK$1,753/mo
Today · 4.125%
HK$67,915
baseline
▲ 0.50% · 4.625%
HK$71,495
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,830/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,171 · Scale 2, in force from 26 Feb 2026)