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$33,114
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$1,046/mo
Today · 4.125%
HK$35,190
baseline
▲ 0.50% · 4.625%
HK$37,331
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,380/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,839
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,827
−HK$1,002/mo
Today · 4.125%
HK$38,829
baseline
▲ 0.50% · 4.625%
HK$40,876
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,658/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,736
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,256/mo
Today · 4.125%
HK$42,228
baseline
▲ 0.50% · 4.625%
HK$44,798
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,456/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,206
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,392
−HK$1,203/mo
Today · 4.125%
HK$46,595
baseline
▲ 0.50% · 4.625%
HK$49,051
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,190/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,359
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,801
−HK$1,465/mo
Today · 4.125%
HK$49,266
baseline
▲ 0.50% · 4.625%
HK$52,264
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,532/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,574
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,957
−HK$1,403/mo
Today · 4.125%
HK$54,360
baseline
▲ 0.50% · 4.625%
HK$57,226
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,720/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,883/mo
Today · 4.125%
HK$63,342
baseline
▲ 0.50% · 4.625%
HK$67,196
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,684/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,309
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,088
−HK$1,804/mo
Today · 4.125%
HK$69,892
baseline
▲ 0.50% · 4.625%
HK$73,576
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,784/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,571 · Scale 2, in force from 26 Feb 2026)