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$34,002
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$1,075/mo
Today · 4.125%
HK$36,135
baseline
▲ 0.50% · 4.625%
HK$38,333
+HK$2,198/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,270/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,827
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,842
−HK$1,029/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$41,973
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,803
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,072
−HK$1,289/mo
Today · 4.125%
HK$43,361
baseline
▲ 0.50% · 4.625%
HK$46,000
+HK$2,639/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,722/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,393
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,610
−HK$1,235/mo
Today · 4.125%
HK$47,845
baseline
▲ 0.50% · 4.625%
HK$50,367
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,690/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,603
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,504/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,441/mo
Today · 4.125%
HK$55,819
baseline
▲ 0.50% · 4.625%
HK$58,762
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,638/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,204
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,108
−HK$1,934/mo
Today · 4.125%
HK$65,042
baseline
▲ 0.50% · 4.625%
HK$69,000
+HK$3,958/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,084/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,089
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,915
−HK$1,853/mo
Today · 4.125%
HK$71,768
baseline
▲ 0.50% · 4.625%
HK$75,551
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,536/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,186 · Scale 2, in force from 26 Feb 2026)