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$34,074
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$1,076/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,414
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,907
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,032/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,889
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,293/mo
Today · 4.125%
HK$43,453
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,906/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,708
−HK$1,238/mo
Today · 4.125%
HK$47,946
baseline
▲ 0.50% · 4.625%
HK$50,473
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,892/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,703
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,187
−HK$1,508/mo
Today · 4.125%
HK$50,695
baseline
▲ 0.50% · 4.625%
HK$53,779
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,390/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,069
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,493
−HK$1,444/mo
Today · 4.125%
HK$55,937
baseline
▲ 0.50% · 4.625%
HK$58,885
+HK$2,948/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,874/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,333
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,241
−HK$1,938/mo
Today · 4.125%
HK$65,179
baseline
▲ 0.50% · 4.625%
HK$69,145
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,358/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,232
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,062
−HK$1,856/mo
Today · 4.125%
HK$71,918
baseline
▲ 0.50% · 4.625%
HK$75,709
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,836/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,361 · Scale 2, in force from 26 Feb 2026)