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$33,927
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$1,072/mo
Today · 4.125%
HK$36,055
baseline
▲ 0.50% · 4.625%
HK$38,249
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,110/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,744
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,756
−HK$1,027/mo
Today · 4.125%
HK$39,783
baseline
▲ 0.50% · 4.625%
HK$41,880
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,566/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,713
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,287/mo
Today · 4.125%
HK$43,266
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,532/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,293
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,507
−HK$1,233/mo
Today · 4.125%
HK$47,740
baseline
▲ 0.50% · 4.625%
HK$50,256
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,480/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,498
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,976
−HK$1,501/mo
Today · 4.125%
HK$50,477
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$100,954/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,438/mo
Today · 4.125%
HK$55,696
baseline
▲ 0.50% · 4.625%
HK$58,632
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$111,392/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,069
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,969
−HK$1,930/mo
Today · 4.125%
HK$64,899
baseline
▲ 0.50% · 4.625%
HK$68,848
+HK$3,949/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,798/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,939
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,761
−HK$1,848/mo
Today · 4.125%
HK$71,609
baseline
▲ 0.50% · 4.625%
HK$75,384
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,218/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,952 · Scale 2, in force from 26 Feb 2026)