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$32,481
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,026/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$983/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,977
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,189
−HK$1,232/mo
Today · 4.125%
HK$41,421
baseline
▲ 0.50% · 4.625%
HK$43,941
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,842/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,361
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,524
−HK$1,180/mo
Today · 4.125%
HK$45,704
baseline
▲ 0.50% · 4.625%
HK$48,113
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,408/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,473
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,887
−HK$1,437/mo
Today · 4.125%
HK$48,324
baseline
▲ 0.50% · 4.625%
HK$51,265
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,648/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,588
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,376/mo
Today · 4.125%
HK$53,321
baseline
▲ 0.50% · 4.625%
HK$56,132
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,642/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,465
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,284
−HK$1,847/mo
Today · 4.125%
HK$62,131
baseline
▲ 0.50% · 4.625%
HK$65,912
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,262/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,042
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,786
−HK$1,770/mo
Today · 4.125%
HK$68,556
baseline
▲ 0.50% · 4.625%
HK$72,169
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,112/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,160 · Scale 2, in force from 26 Feb 2026)