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$33,627
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,673
−HK$1,063/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,910
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,410
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,413
−HK$1,018/mo
Today · 4.125%
HK$39,431
baseline
▲ 0.50% · 4.625%
HK$41,509
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,862/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,275/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,492
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,892
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,221/mo
Today · 4.125%
HK$47,317
baseline
▲ 0.50% · 4.625%
HK$49,811
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,634/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,078
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,542
−HK$1,488/mo
Today · 4.125%
HK$50,030
baseline
▲ 0.50% · 4.625%
HK$53,074
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,060/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,374
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,778
−HK$1,425/mo
Today · 4.125%
HK$55,203
baseline
▲ 0.50% · 4.625%
HK$58,113
+HK$2,910/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,406/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,529
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,412
−HK$1,912/mo
Today · 4.125%
HK$64,324
baseline
▲ 0.50% · 4.625%
HK$68,238
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,648/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,338
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,144
−HK$1,832/mo
Today · 4.125%
HK$70,976
baseline
▲ 0.50% · 4.625%
HK$74,717
+HK$3,741/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,952/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,016 · Scale 2, in force from 26 Feb 2026)