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$34,022
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,080
−HK$1,075/mo
Today · 4.125%
HK$36,155
baseline
▲ 0.50% · 4.625%
HK$38,355
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,310/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,849
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,864
−HK$1,030/mo
Today · 4.125%
HK$39,894
baseline
▲ 0.50% · 4.625%
HK$41,997
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,788/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,826
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,096
−HK$1,290/mo
Today · 4.125%
HK$43,386
baseline
▲ 0.50% · 4.625%
HK$46,026
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,772/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,419
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,235/mo
Today · 4.125%
HK$47,872
baseline
▲ 0.50% · 4.625%
HK$50,396
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,744/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,630
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,112
−HK$1,505/mo
Today · 4.125%
HK$50,617
baseline
▲ 0.50% · 4.625%
HK$53,697
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,234/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,988
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,441/mo
Today · 4.125%
HK$55,851
baseline
▲ 0.50% · 4.625%
HK$58,795
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,702/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,239
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,144
−HK$1,935/mo
Today · 4.125%
HK$65,079
baseline
▲ 0.50% · 4.625%
HK$69,039
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,158/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,128
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,955
−HK$1,854/mo
Today · 4.125%
HK$71,809
baseline
▲ 0.50% · 4.625%
HK$75,594
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,618/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,506 · Scale 2, in force from 26 Feb 2026)