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$33,166
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$1,048/mo
Today · 4.125%
HK$35,246
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,492/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,004/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,799
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,037
−HK$1,258/mo
Today · 4.125%
HK$42,295
baseline
▲ 0.50% · 4.625%
HK$44,869
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,590/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,277
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,464
−HK$1,205/mo
Today · 4.125%
HK$46,669
baseline
▲ 0.50% · 4.625%
HK$49,129
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,338/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,433
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,877
−HK$1,467/mo
Today · 4.125%
HK$49,344
baseline
▲ 0.50% · 4.625%
HK$52,347
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,688/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,656
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,041
−HK$1,406/mo
Today · 4.125%
HK$54,447
baseline
▲ 0.50% · 4.625%
HK$57,317
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,894/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,699
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,556
−HK$1,887/mo
Today · 4.125%
HK$63,443
baseline
▲ 0.50% · 4.625%
HK$67,303
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,886/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,415
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,196
−HK$1,807/mo
Today · 4.125%
HK$70,003
baseline
▲ 0.50% · 4.625%
HK$73,693
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,006/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,436 · Scale 2, in force from 26 Feb 2026)