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$33,456
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$1,057/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,718
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,108/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,013/mo
Today · 4.125%
HK$39,231
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,067/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,462/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,147
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,396
−HK$1,269/mo
Today · 4.125%
HK$42,665
baseline
▲ 0.50% · 4.625%
HK$45,261
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,330/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,664
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,861
−HK$1,216/mo
Today · 4.125%
HK$47,077
baseline
▲ 0.50% · 4.625%
HK$49,558
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,154/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,839
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,296
−HK$1,480/mo
Today · 4.125%
HK$49,776
baseline
▲ 0.50% · 4.625%
HK$52,805
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,552/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,108
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,505
−HK$1,418/mo
Today · 4.125%
HK$54,923
baseline
▲ 0.50% · 4.625%
HK$57,818
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,846/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,221
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,094
−HK$1,904/mo
Today · 4.125%
HK$63,998
baseline
▲ 0.50% · 4.625%
HK$67,892
+HK$3,894/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,996/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,995
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,792
−HK$1,823/mo
Today · 4.125%
HK$70,615
baseline
▲ 0.50% · 4.625%
HK$74,337
+HK$3,722/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,230/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,205 · Scale 2, in force from 26 Feb 2026)