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$32,069
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$1,013/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$36,154
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,677
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$970/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,586
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,216/mo
Today · 4.125%
HK$40,896
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,792/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,812
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,960
−HK$1,165/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,294
−HK$1,418/mo
Today · 4.125%
HK$47,712
baseline
▲ 0.50% · 4.625%
HK$50,616
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,424/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,947
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,287
−HK$1,359/mo
Today · 4.125%
HK$52,646
baseline
▲ 0.50% · 4.625%
HK$55,421
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,292/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,725
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,825/mo
Today · 4.125%
HK$61,345
baseline
▲ 0.50% · 4.625%
HK$65,077
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,690/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,218
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,940
−HK$1,748/mo
Today · 4.125%
HK$67,688
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,376/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,397 · Scale 2, in force from 26 Feb 2026)