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$33,350
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$1,053/mo
Today · 4.125%
HK$35,441
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,882/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,102
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,097
−HK$1,009/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,062/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,265
−HK$1,265/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,522
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,716
−HK$1,211/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,401
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,690
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,143
−HK$1,475/mo
Today · 4.125%
HK$49,618
baseline
▲ 0.50% · 4.625%
HK$52,637
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,236/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,942
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,414/mo
Today · 4.125%
HK$54,749
baseline
▲ 0.50% · 4.625%
HK$57,635
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,498/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,030
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,897/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,676
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,783
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,574
−HK$1,817/mo
Today · 4.125%
HK$70,391
baseline
▲ 0.50% · 4.625%
HK$74,102
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,782/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,461 · Scale 2, in force from 26 Feb 2026)