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$32,091
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$1,014/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,658
−HK$972/mo
Today · 4.125%
HK$37,630
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,260/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,509
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,707
−HK$1,217/mo
Today · 4.125%
HK$40,924
baseline
▲ 0.50% · 4.625%
HK$43,414
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,848/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,841
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,990
−HK$1,166/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,536
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,325
−HK$1,420/mo
Today · 4.125%
HK$47,745
baseline
▲ 0.50% · 4.625%
HK$50,650
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,490/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,322
−HK$1,360/mo
Today · 4.125%
HK$52,682
baseline
▲ 0.50% · 4.625%
HK$55,459
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,364/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,764
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,561
−HK$1,825/mo
Today · 4.125%
HK$61,386
baseline
▲ 0.50% · 4.625%
HK$65,121
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,772/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,262
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,985
−HK$1,749/mo
Today · 4.125%
HK$67,734
baseline
▲ 0.50% · 4.625%
HK$71,304
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,468/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,755 · Scale 2, in force from 26 Feb 2026)