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$34,005
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$1,074/mo
Today · 4.125%
HK$36,137
baseline
▲ 0.50% · 4.625%
HK$38,336
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,274/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,830
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,845
−HK$1,029/mo
Today · 4.125%
HK$39,874
baseline
▲ 0.50% · 4.625%
HK$41,976
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,748/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,806
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,075
−HK$1,290/mo
Today · 4.125%
HK$43,365
baseline
▲ 0.50% · 4.625%
HK$46,003
+HK$2,638/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,730/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,613
−HK$1,236/mo
Today · 4.125%
HK$47,849
baseline
▲ 0.50% · 4.625%
HK$50,371
+HK$2,522/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,698/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,607
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,088
−HK$1,504/mo
Today · 4.125%
HK$50,592
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,184/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,962
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,382
−HK$1,441/mo
Today · 4.125%
HK$55,823
baseline
▲ 0.50% · 4.625%
HK$58,766
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,646/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,209
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,113
−HK$1,934/mo
Today · 4.125%
HK$65,047
baseline
▲ 0.50% · 4.625%
HK$69,005
+HK$3,958/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,094/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,094
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,920
−HK$1,853/mo
Today · 4.125%
HK$71,773
baseline
▲ 0.50% · 4.625%
HK$75,556
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,546/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,227 · Scale 2, in force from 26 Feb 2026)